vs
In short: HDFC Swiggy has the lower annual fee (₹500 vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | HDFC Millennia | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹1,000 | ₹500 |
| Joining fee | ₹1,000 | ₹500 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹2 lakh annual spend |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 10% Cashback on Swiggy Applications |
| Base rewards | 1% Cashback on All Other Spends | 1% Cashback on All Other Spends |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Swiggy returns about ₹3,500 more a year after annual fees (₹7,800 vs ₹4,800 in rewards).
| Spend profile | HDFC Millennia | HDFC Swiggy |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 10% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹7,800 |
| Annual fee | ₹1,000 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Millennia Credit Card Visa offers a flat 5% cashback on popular online platforms like Amazon and Flipkart, with a welcome benefit of Rs.1000 CashPoints and a quarterly Rs.1000 gift voucher milestone on spending Rs.1 lakh. Swiggy Hdfc Bank Credit Card focuses on Swiggy users with 10% cashback on Swiggy applications and includes a complimentary Swiggy One membership, along with golf-related perks. Both cards have foreign exchange markup fees of 3.5% and no listed lounge access benefits in our data.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Hdfc Bank Millennia Credit Card Visa | Swiggy Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs. 500 |
| Annual / renewal fee | Renewal Fee of Rs. 1000 | Renewal Fee of Rs.500 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | Spend Rs.200000 For Renewal Fee Waiver |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 10% Cashback on Swiggy Applications |
| Base rate (other spends) | 1% Cashback on All Other Spends | 1% Cashback on All Other Spends |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | Complimentary Swiggy One Membership |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Swiggy Hdfc Bank Credit Card stands out due to its higher top cashback rate of 10% on Swiggy applications compared to the Millennia card's 5% on multiple e-commerce and entertainment platforms. Both cards offer a base cashback rate of 1% on other spends. At Rs.20,000 monthly spend, the Swiggy card delivers about Rs.7,800 annually in rewards, significantly more than the Millennia card's Rs.4,800. However, the Millennia card provides a wider range of 5% cashback categories beyond just Swiggy, including Amazon, Flipkart, and entertainment, which may appeal to users with diverse spending habits.
Neither card lists domestic or international lounge access in our data, and both have the same forex markup fee of 3.5%, making them comparable for foreign currency transactions. The Swiggy card includes a complimentary Swiggy One membership for three months, which benefits frequent Swiggy users, while the Millennia card does not offer such travel or membership perks. Overall, neither card is travel-focused beyond forex fees, so travel benefits are a tie.
The Swiggy Hdfc Bank Credit Card has a lower joining and renewal fee of Rs.500 each, compared to the Millennia card's Rs.1000 fees. However, the fee waiver threshold is higher for the Swiggy card at Rs.2 lakh annual spend versus Rs.1 lakh for the Millennia card. For users who can meet the waiver criteria, the effective cost of both cards can be zero, but the Swiggy card is more affordable upfront and for those who may not reach the waiver limit.
The Swiggy Hdfc Bank Credit Card offers unique golf-related perks including 12 complimentary golf lessons and 4 complimentary rounds of green fees per calendar year, plus a 50% discount on green fees. These benefits are not listed for the Millennia card, making the Swiggy card appealing to golf enthusiasts.
Hdfc Bank Millennia Credit Card Visa provides a quarterly milestone benefit of Rs.1000 worth gift vouchers on spending Rs.1 lakh, which can add value for regular users. The Swiggy card does not list milestone benefits in our data.
The Millennia card offers a Rs.1000 CashPoints welcome benefit, while the Swiggy card provides a complimentary Swiggy One membership valid for three months. These welcome benefits cater to different user preferences—cashback versus membership perks.
Consider Hdfc Bank Millennia Credit Card Visa if you want a broader set of 5% cashback categories across popular online platforms like Amazon, Flipkart, and entertainment services, along with milestone rewards and a lower fee waiver threshold. It suits users looking for diversified cashback benefits beyond food delivery and who prefer a welcome cashback benefit.
Consider Swiggy Hdfc Bank Credit Card if you are a frequent Swiggy user who values the highest cashback of 10% on Swiggy spends and a complimentary Swiggy One membership. It is also suitable if you prefer a lower joining fee and renewal fee and enjoy golf-related perks like complimentary lessons and green fee rounds, which the Millennia card does not offer.
Hdfc Bank Millennia Credit Card Visa has a joining fee of Rs.1000, while the Swiggy Hdfc Bank Credit Card has a joining fee of Rs.500.
Yes, the Millennia card waives the renewal fee if you spend Rs.1 lakh annually, whereas the Swiggy card waives the renewal fee on Rs.2 lakh annual spend.
The Swiggy Hdfc Bank Credit Card offers 10% cashback on Swiggy applications, which is higher than the Millennia card's 5% cashback on Swiggy.
Lounge access benefits are not listed in our data for either card; please check with the issuer for details.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Hdfc Bank Millennia Credit Card Visa offers Rs.1000 worth of gift vouchers quarterly on spending Rs.1 lakh, while milestone benefits are not listed for the Swiggy card.