Swiggy HDFC vs HDFC Millennia
Swiggy HDFC has the lower annual fee (₹500 against ₹1,000). Swiggy HDFC waives its fee on ₹2,00,000 of spend a year; HDFC Millennia waives its fee on ₹1,00,000 of spend a year. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | Swiggy HDFCHDFC2 wins · ahead | HDFC MillenniaHDFC1 win |
|---|---|---|
| Annual fee | Lower₹500 | ₹1,000 |
| Joining fee | Lower₹500 | ₹1,000 |
| Fee waiver | Waived on ₹2,00,000 spend a year | LowerWaived on ₹1,00,000 spend a year |
| Rewards | See card page | 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit; 1% cashback on other spends |
| Airport lounges | None listed | None listed |
| Forex markup | 3.5% plus GST | 3.5% plus GST |
| Points | Cashback or not listed | Cashback or not listed |
| Published minimum income and age | Salaried ₹1,80,000 a year, self-employed ₹6,00,000 a year, age 21 to 60 | Salaried ₹4,20,000 a year, self-employed ₹6,00,000 a year, age 21 to 40 |
| Network | Mastercard | Visa / Mastercard |
| Apply | Bank page | Bank page |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
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