HDFC Bank Millennia vs HDFC Bank Swiggy Card
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HDFC Bank
Millennia
HDFC Bank
Swiggy Card
| Detail | HDFC Bank Millennia | HDFC Bank Swiggy Card |
|---|---|---|
| Annual fee | ₹1,000 | ₹500 |
| Joining fee | ₹1,000 | ₹500 |
| Income requirement | Rs.4L+ per annum | Rs.3L+ per annum |
| all rewards | 1% | 1% |
| shopping rewards | 2.5%, 2.5% | - |
| dining rewards | 2.5%, 2.5% | 10%, 5% |
| Lounge access | Dreamfolks | - |
| Benefits | Movie Discounts, Shopping Rewards, Fuel Surcharge Waiver | Fuel Surcharge Waiver |
Verdict
HDFC Bank Swiggy Card ranks above HDFC Bank Millennia for dining (10.0% effective reward rate vs 2.5% effective reward rate; annual fee ₹500 vs annual fee ₹1,000). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, HDFC Bank Millennia or HDFC Bank Swiggy Card?
- HDFC Bank Millennia charges ₹1,000 and HDFC Bank Swiggy Card charges ₹500 per year.
- Which card has the higher reward rate?
- HDFC Bank Millennia peaks at about 2.5% and HDFC Bank Swiggy Card at about 10.0% effective rewards.
- Which card offers more lounge access?
- HDFC Bank Millennia lists 1 lounge program(s); HDFC Bank Swiggy Card lists 0.
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