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Comparison · हिन्दी

HDFC Millennia vs Swiggy HDFC

Both cards compared on real rupee returns for HDFC online cashback and food delivery card comparison. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
HDFC
MILLENNIA
ASHOK KUMAR
VS
HDFC
SWIGGY
ASHOK KUMAR
Our verdict
Swiggy HDFC Bank Credit Card wins for most people
Card B wins decisively with ₹8,860 annual benefit versus Card A's ₹1,460. Card B's 10% Swiggy cashback and lower fee make it the clear winner for this spend profile.
Side-by-side comparison
HDFC Millennia Credit Card Swiggy HDFC Bank Credit Card ✓
Annual benefit ₹1,460 ₹8,860
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹500 + taxes (waived on ₹2,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping 10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 visits/year (domestic) None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2.5%
Best for Everyday online shopping with a modest, capped cashback Frequent Swiggy and Instamart users
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹15,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
HDFC Millennia Credit Card
Card A suits users who primarily shop online through HDFC's SmartBuy portal and can meet the ₹1L annual spend waiver. It works best for those with minimal dining expenses.
Swiggy HDFC Bank Credit Card
Card B excels for frequent Swiggy and food delivery users who spend regularly on dining and groceries. The lower fee and 10% Swiggy cashback maximize rewards for this exact spend pattern.
Who should get which card
Get HDFC Millennia if you…
· Exclusive HDFC SmartBuy online shoppers seeking concentrated cashback
· Those hitting ₹1L annual spend to waive the fee
· Minimal dining and grocery spenders
Get Swiggy HDFC Bank if you…
· Regular Swiggy, food delivery, and Instamart users
· Monthly dining spends of ₹5,000+
· Those wanting higher cashback with lower annual fee
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
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AXIS
ASHOK KUMAR

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HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →Swiggy HDFC Bank vs Axis ACE →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Swiggy HDFC Bank Credit Card offers better annual returns for most spend profiles.
HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend). Swiggy HDFC Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend).
HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping. Swiggy HDFC Bank Credit Card offers 10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on others.
HDFC Millennia Credit Card lounge access: 8 visits/year (domestic). Swiggy HDFC Bank Credit Card lounge access: None.
HDFC Millennia Credit Card charges 3.5% forex markup. Swiggy HDFC Bank Credit Card charges 2.5% forex markup.