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
- Visa
- 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)
- —
- 42%
- APR (max)
- —
- 42%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 10%Best
- Point value
- ₹1
- —
- Monthly cap
- ₹3,000
- ₹1,500
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹35,000
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
01of 04
03of 04
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
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 | Visa |
| 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) | — | 42% |
| APR (max) | — | 42% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 10%Best |
| Point value | ₹1 | — |
| Monthly cap | ₹3,000 | ₹1,500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹35,000 | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 01of 04 | 03of 04 |
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 | None | 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.
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 no complimentary domestic lounge access. On the other hand, Swiggy HDFC Bank Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.50%, 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).