HDFC Millennia Credit Card vs Swiggy HDFC Bank Credit Card
HDFC Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward10%
Even Match: Both cards tie with an identical CardCheck Score of 73/100.
4-Pillar Head-to-Head Breakdown
HDFC vs SwiggyReward Power
35%HDFC34/35
Swiggy35/35
Swiggy Wins
Fee Value & ROI
25%HDFC20/25
Swiggy22/25
Swiggy Wins
Lounge & Travel
20%HDFC11/20
Swiggy4/20
HDFC Wins
Forex & Access
20%HDFC8/20
Swiggy12/20
Swiggy Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 73
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 20/25
- 22/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- HDFC Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Co-branded
- Best for
- online shoppers
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
03—Fees
- Joining fee
- ₹1,000
- ₹500Best
- Annual fee
- ₹1,000
- ₹500Best
- Fee waiver
- ₹1,00,000Best
- ₹2,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 43.2%
- 43.2%
- APR (max)
- 43.2%Best
- 45%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 10%Best
- Points / ₹100
- 1
- —
- Point value
- ₹1
- —
- Monthly cap
- ₹2,000
- ₹1,500
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Lounge spend criteria
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- —
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹35,000
- ₹15,000
- Invite only
Rows won
03of 06
03of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 73 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 20/25 | 22/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Co-branded |
| Best for | online shoppers | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000 | ₹500Best |
| Annual fee | ₹1,000 | ₹500Best |
| Fee waiver | ₹1,00,000Best | ₹2,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 43.2% |
| APR (max) | 43.2%Best | 45% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 10%Best |
| Points / ₹100 | 1 | — |
| Point value | ₹1 | — |
| Monthly cap | ₹2,000 | ₹1,500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Lounge spend criteria | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | — |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹35,000 | ₹15,000 |
| Invite only | ||
| Rows won | 03of 06 | 03of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 73/100Very Good |
| Annual Fee | ₹1,000 | ₹500 |
| Fee Waiver Spend | ₹1L/yr | ₹2L/yr |
| Max Reward Potential | 5% | 10% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose Swiggy HDFC Bank Credit Card if:
Your spending aligns with swiggy app users — 10% cashback on food, instamart & eligible swiggy spends and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for HDFC Millennia Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Swiggy HDFC Bank Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: HDFC Millennia Credit Card vs Swiggy HDFC Bank Credit Card
- Which is better: HDFC Millennia Credit Card or Swiggy HDFC Bank Credit Card?
- Both HDFC Millennia Credit Card and Swiggy HDFC Bank 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?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, Swiggy HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between HDFC Millennia Credit Card and Swiggy HDFC Bank Credit Card?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Swiggy HDFC Bank Credit Card offers a base rate of 1% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or Swiggy HDFC Bank Credit Card?
- 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). On the other hand, Swiggy HDFC Bank Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.5%, while Swiggy HDFC Bank 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).