Swiggy HDFC Bank Credit Card
HDFC Bank
HDFC Millennia Credit Card
HDFC Bank
Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank
- CardCheck Score
- 73
- 73
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- 18/20
- Forex & Access (20%)
- 12/20
- 8/20
- 8/20
- Bank
- HDFC Bank
- HDFC Bank
- HDFC Bank
- Network
- Mastercard
- Visa, Mastercard, Diners, RuPay
- Visa
- Card type
- Co-branded
- Regular
- Co-branded
- Best for
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
- online shoppers
- Marriott hotel loyalists — earn Bonvoy points + complimentary night
- Joining fee
- ₹500Best
- ₹1,000
- ₹3,000
- Annual fee
- ₹500Best
- ₹1,000
- ₹3,000
- Fee waiver
- ₹2,00,000
- ₹1,00,000Best
- —
- Interest-free days
- 50
- 50
- —
- APR (min)
- 43.2%
- 43.2%
- 42%Best
- APR (max)
- 45%
- 43.2%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- —
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- cashback
- cashback
- points
- Min rate
- 1%
- 1%
- 1%
- Max rate
- 10%Best
- 5%
- 8%
- Points / ₹100
- —
- 1
- 1.33Best
- Point value
- —
- ₹1
- ₹0.75
- Monthly cap
- ₹1,500
- ₹2,000
- —
- Domestic lounge / qtr
- 0
- 1
- 3Best
- Lounge spend criteria
- —
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- No spend condition
- Intl lounge / year
- 0
- 0
- 12Best
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 3.5%
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- 21
- Min income / month
- ₹15,000
- ₹35,000
- ₹1,00,000
- Min CIBIL
- 750
- —
- —
- Invite only
| Attribute ↓ | Column A | Column B | ★ Overall pick Column C |
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 73 | 73 | 79Best |
| Rating Verdict | Very Good | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 8/20 | 8/20 |
02—Basic Info Differences highlighted | |||
| Bank | HDFC Bank | HDFC Bank | HDFC Bank |
| Network | Mastercard | Visa, Mastercard, Diners, RuPay | Visa |
| Card type | Co-branded | Regular | Co-branded |
| Best for | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends | online shoppers | Marriott hotel loyalists — earn Bonvoy points + complimentary night |
03—Fees Differences highlighted | |||
| Joining fee | ₹500Best | ₹1,000 | ₹3,000 |
| Annual fee | ₹500Best | ₹1,000 | ₹3,000 |
| Fee waiver | ₹2,00,000 | ₹1,00,000Best | — |
| Interest-free days | 50 | 50 | — |
04—Interest Differences highlighted | |||
| APR (min) | 43.2% | 43.2% | 42%Best |
| APR (max) | 45% | 43.2% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 | — |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | cashback | cashback | points |
| Min rate | 1% | 1% | 1% |
| Max rate | 10%Best | 5% | 8% |
| Points / ₹100 | — | 1 | 1.33Best |
| Point value | — | ₹1 | ₹0.75 |
| Monthly cap | ₹1,500 | ₹2,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 0 | 1 | 3Best |
| Lounge spend criteria | — | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | No spend condition |
| Intl lounge / year | 0 | 0 | 12Best |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 3.5% | 3.5% | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Min age | 21 | 21 | 21 |
| Min income / month | ₹15,000 | ₹35,000 | ₹1,00,000 |
| Min CIBIL | 750 | — | — |
| Invite only | |||
| Rows won | 03of 10 | 01of 10 | 06of 10 |
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Frequently Asked Questions: Swiggy HDFC Bank Credit Card vs HDFC Millennia Credit Card
Which is better: Swiggy HDFC Bank Credit Card or HDFC Millennia Credit Card?
Both Swiggy HDFC Bank Credit Card and HDFC Millennia Credit Card tie with an identical CardCheck Score of 73/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer HDFC Bank's or HDFC Bank's merchant partnerships.
How do annual fees and fee waiver spend rules compare?
Swiggy HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh.
How do the reward rates and cashback compare between Swiggy HDFC Bank Credit Card and HDFC Millennia Credit Card?
Swiggy HDFC Bank Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, HDFC Millennia Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Swiggy HDFC Bank Credit Card or HDFC Millennia Credit Card?
Swiggy HDFC Bank Credit Card provides no complimentary airport lounge access. On the other hand, HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher).
Which card is better for international foreign currency spends?
Swiggy HDFC Bank Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Millennia Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).