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HDFC Bank Millennia Credit Card VS Swiggy HDFC Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both Swiggy HDFC Bank Credit Card and HDFC Bank Millennia Credit Card suit dining-focused spenders, but they earn and cost differently. Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. Swiggy HDFC Bank Credit Card also brings complimentary 3-month Swiggy One Membership upon card activation, while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees3.5% + GST
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.75% Per Month or 45% Per Annum

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Reward TypeCashback
Reward TypeCashback, Air Miles
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie Benefits5% cashback on BookMyShow spends.
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Golf BenefitsNot Applicable
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge WaiverNot applicable

Security & Other

Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Insurance Benefits
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Millennia Credit Card

Swiggy HDFC Bank Credit Card

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Who is it for?

The Swiggy HDFC Bank Credit Card is a popular co-branded cashback credit card, ideal for frequent Swiggy users and online shoppers. It offers a generous 10% cashback on all Swiggy app spends and 5% cashback on purchases across various top online brands. Cardholders also receive a complimentary 3-month Swiggy One membership as a welcome benefit. With an easily waivable annual fee, this card provides substantial savings on dining and online expenses, making it a strong contender in the cashback market.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Pros

Key benefits and features.

Generous 10% cashback on all Swiggy app spends, ideal for frequent users.

Significant 5% cashback on online purchases from a wide range of popular brands.

Complimentary 3-month Swiggy One membership adds substantial value as a welcome benefit.

Annual fee of ₹500 + GST is easily waived by spending ₹2 Lakh in a year.

Mastercard World Tier benefits offer golf privileges and travel discounts.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

Cons

Key drawbacks and limitations.

Lacks complimentary airport lounge access, which is a common perk on similar cards.

Cashback benefits are capped at ₹1,500 per billing cycle for key spending categories.

Fuel surcharge waiver is not applicable, increasing costs for fuel transactions.

High foreign currency markup of 3.5% + GST makes international spends expensive.

Cashback is not applicable on utility bill payments, rent, or wallet transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Millennia Credit Card(opens in new tab)Apply for Swiggy HDFC Bank Credit Card(opens in new tab)