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
| Parameter | HDFC Millennia Credit Card | Swiggy HDFC Bank Credit Card |
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Joining fee |
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Renewal fee |
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Renewal fee waiver |
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Welcome benefit |
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Cashback benefits |
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Other benefits |
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Dining Benefits |
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Lounge access |
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Fuel Surcharge waiver |
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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)
