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 Access4/yearNone
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 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.
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