HDFC Millennia vs HDFC Swiggy Card
Cap-aware comparison at ₹42,000/month total spend · Data verified March 2026
HDFC Millennia
₹1,000/yr
₹1,540
cashback/month
HDFC Swiggy Card
₹500/yr
₹2,040
cashback/month
Winner
Category-by-Category Breakdown
🍽️Dining
₹10,000/moHDFC Millennia
₹5005%
HDFC Swiggy Card
₹1,00010%
✈️Travel
₹3,000/moHDFC Millennia
₹301%
HDFC Swiggy Card
₹301%
🛒Online Shopping
₹10,000/moHDFC Millennia
₹5005%
HDFC Swiggy Card
₹5005%
🥦Groceries
₹5,000/moHDFC Millennia
₹501%
HDFC Swiggy Card
₹501%
⛽Fuel
₹3,000/moHDFC Millennia
₹301%
HDFC Swiggy Card
₹301%
💡Utilities
₹3,000/moHDFC Millennia
₹301%
HDFC Swiggy Card
₹301%
🎬Entertainment
₹3,000/moHDFC Millennia
₹1505%
HDFC Swiggy Card
₹1505%
🛍️Shopping
₹5,000/moHDFC Millennia
₹2505%
HDFC Swiggy Card
₹2505%
Quick Specs
Annual Fee₹1,000₹500
Fee Waiver₹1L annual spend₹2L annual spend
NetworkVisa/MCMC
Lounge AccessMilestone-based (₹1L quarterly spend)None
Card TypeLifestyleEntry
The Verdict
HDFC Swiggy Card earns ₹500 more per month on this spending pattern. HDFC Millennia wins on no categories. HDFC Swiggy Card wins on dining. They tie on 7 categories. The best strategy? Use HDFC Swiggy Card as your primary card and HDFC Millennia for its winning categories.
Pick HDFC Millennia if
→ You want lounge access (Milestone-based (₹1L quarterly spend))
View HDFC Millennia details →Pick HDFC Swiggy Card if
→ You spend heavily on dining
→ You want a lower fee (₹500/year vs ₹1,000/year)
View HDFC Swiggy Card details →Or use both
Use HDFC Millennia for its strengths, and HDFC Swiggy Card for dining. Combined fee: ₹1,500/year.
Want to compare with your actual spending?
Enter your real monthly spends for a personalized comparison.
Try Smart Swipe →More Comparisons
HDFC Millennia vs Axis ACEHDFC Millennia vs Amazon Pay ICICISBI Cashback Card vs Amazon Pay ICICIHDFC Regalia vs HDFC Diners BlackAxis ACE vs Axis FlipkartHDFC Regalia vs HDFC InfiniaSBI Card ELITE vs ICICI CoralHDFC Millennia vs Axis FlipkartIDFC FIRST WOW vs IDFC FIRST SelectHDFC Tata Neu Infinity Credit Card vs HDFC Tata Neu Plus Credit CardAmazon Pay ICICI vs Axis FlipkartSBI Card ELITE vs HDFC RegaliaAxis Atlas vs HDFC Diners BlackIDFC FIRST Millennia Credit Card vs HDFC Millennia