HDFC Millennia Credit Card Vs Swiggy HDFC Bank Credit Card

HDFC Millennia Credit Card Vs Swiggy HDFC Bank Credit Card

Last Updated : March 17, 2025, 5:18 p.m.

The HDFC Millennia credit card and Swiggy HDFC Bank credit card are two popular credit cards given by the leading bank- HDFC. HDFC Millennia is one of the most popular entry level cashback credit cards in India. If you are a millennial, this card is highly suitable for you. The card provides a cashback of 5% on daily brands such as Amazon, Myntra, Swiggy, Cult.fit, Tata CliQ, Uber, and Zomato. There is no minimum transaction value required for earning that 5% cashback benefit. Further, this card offers good options for redemption, such as product catalog, air miles, and hotel and flight bookings at the Unified SmartBuy portal. The Swiggy HDFC Bank Credit Card as the name suggests is a cobranded credit card between Swiggy and HDFC Bank. The Swiggy HDFC Bank is a credit card that offers ample cashback on dining out, food ordering, groceries, and more. Get 10% cashback on Swiggy spends and 5% on 1000s of other online platforms and apps also. Also enjoy a cashback of 1% on offline spends and other food, grocery, and dining apps. In order to choose a card amongst these two cards, let us now compare the features of both based on various factors. Then, after choosing a credit card and before applying for one, check your CIBIL score on Wishfin for free. It is a very important eligibility criteria that determines the approval of your credit card application.

HDFC Millennia Credit Card Vs Swiggy HDFC Bank Credit Card - Comparison

ParameterHDFC Millennia Credit CardSwiggy HDFC Bank Credit Card

Joining fee

  • Rs. 1000 plus applicable taxes.
  • Rs. 500 plus applicable charges.

Renewal fee

  • Rs. 1000 plus applicable taxes.
  • Rs. 500 plus applicable charges.

Renewal fee waiver

  • On spends of Rs. 1,00,000 or more
  • On spends of Rs. 2,00,000 or more

Welcome benefit

  • Get reward points equivalent to the fee amount on paying the membership fee.
  • Free 3 month membership worth Rs. 1199. Enjoy free deliveries and extra discounts on food, Dineout, Instamart, and more.

Cashback benefits

  • Get a cashback of 5% on BookMyShow, Myntra, Cult.fit, Amazon, Flipkart, Sony LIV, Tata Cliq, Uber, Zomato, and Swiggy.
  • Avail 1% cashback on all other spends.
  • 10% cashback on Swiggy spends, up to Rs. 1500 per month, in addition to the regular offers and discounts across groceries, food ordering, dining out, and more.
  • 5% cashback (Up to Rs. 1500) on 1000s of online platforms and apps for all digital shopping enthusiasts.
  • 1% cashback (Up to Rs. 500) on offline spends, and other food, grocery, and dining apps.

Other benefits

  • Milestone benefit : Get gift vouchers worth Rs. 1000 on spends of Rs. 100,000 and above in each quarter.
  • Zero lost card liability.
  • Interest free period: Up to 50 days of interest free period on the Swiggy HDFC Bank credit card from the date of purchase.
  • Contactless payments: The credit card is enabled for contactless payments for added convenience and speed.
  • Revolving credit is available at a nominal interest rate.
  • EMI conversions: Convert big spends into EMIs after purchase.
  • Zero lost card liability.
  • Up to 50 days of interest free period.
  • The card is enabled for contactless payments
  • You can convert large purchases on the credit card into Smart EMIs.
  • Mastercard golf benefits:
  • 12 free golf lessons per year in India across premium golf clubs.
  • 4 complimentary rounds of green fees per year.
  • Discounted golf services at 50% of the green fee beyond complimentary sessions.

Dining Benefits

  • Benefit from amazing dining perks with the good food trail program
  • Save up to 20% on all your restaurant bill payments (Restaurant and Swiggy discounts) across 20k plus restaurants via Swiggy Dineout.
  • One night and one dines free at select Mastercard partners globally.
  • A discount of up to 12% on Agoda hotels worldwide.

Lounge access

  • Upon reaching the quarterly spends milestone, users can either opt for the Dreamfolks airport lounge access voucher or a Rs. 1000 voucher

  • NA

Fuel Surcharge waiver

  • Get a fuel surcharge waiver of 1% across all fuel stations in India on transactions between Rs. 400 to Rs. 5000.

  • NA

Pros and Cons of HDFC Millennia Credit Card and Swiggy HDFC Bank Credit Card

Pros of the Swiggy HDFC Bank Credit Card:

  • Get a cashback of 10% on all Swiggy food delivery orders, including Genie and Instamart.
  • Get a cashback of up to Rs. 1,500 per month across major online shopping platforms.

Pros of The HDFC Millennia Credit Card:

  • Get 7% reward points on all Shoppers Stop spends.
  • Get 2% reward points on all non-shoppers stop spends.
  • Enjoy complimentary shoppers stop black membership worth Rs. 4500.

Cons of Swiggy HDFC Bank Credit Card:

  • Transactions on rent, utilities, insurance, fuel, EMI, jewelry, wallet loans, government spends, and similar spends are excluded from cashback.
  • Transactions like flight, hotel bookings, and others are excluded from the 5% cashback.
  • You can only redeem the cashback on the Swiggy app
  • The card does not provide you with lounge access
  • The foreign currency markup fees is quite high - 3.5%

Cons of the HDFC Millennia Credit Card:

  • No golf/coaching sessions
  • No proper lounge access benefits.

HDFC Millennia Credit Card Vs Swiggy HDFC Bank Credit Card - Which Card to Choose?

Both the Swiggy HDFC Bank Credit Card and the HDFC Millennia credit cards offer unique benefits, making them attractive options. So, the card which you choose depends finally on different spending patterns and your personal preferences. Choose the HDFC Millennia credit card if you make significant purchases online. Opt for this card if you shop with multiple online brands and want a versatile card on your daily spends. Get this card if you feel that you will be able to spend Rs. 1 lakh every quarter to avail the milestone benefits. On the other hand, If you are a frequent Swiggy user who wants to maximize your savings on food and grocery orders from Swiggy and other popular online brands, then you should go in for the Swiggy HDFC Bank credit card. Also, you can opt for this card if you prefer to earn cashback over reward points.

Frequently Asked Questions (FAQs)

How and when will the cashback for the Swiggy HDFC Bank credit card be credited?

Where can the cashback earned using the Swiggy HDFC Bank credit card be used?

What categories of Swiggy will I get the 10% cashback on?

Which is the credit limit of the HDFC Millennia credit card?

I have just started my new job. Am I be eligible for the HDFC Millennia credit card?

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