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Credit CardsComparisons

HDFC Millennia Credit Card vs Swiggy BLCK HDFC Bank Credit Card

A head-to-head comparison of HDFC Millennia Credit Card and Swiggy BLCK HDFC Bank Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A

HDFC Millennia Credit Card

Millennial Shoppers

Annual Fee
₹1,000
Reward Rate
5% on partner brands
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CashbackCard B
Annual Fee
₹1,000
Reward Rate
10% on Swiggy, 5% Online
Apply Now Read full review →

Feature comparison

FeatureHDFC MillenniaSwiggy BLCK
Annual Fee₹1,000 (Waived on ₹1L spend)₹1,000 (Waived on ₹2L spend; joining fee waived on ₹75K in first 90 days)
Reward Rate5% on partner brands10% on Swiggy, 5% Online
Best ForMillennial ShoppersHeavy Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC MillenniaSwiggy BLCK
Online shopping
Dining
Everyday spending

Quick verdict

Choose HDFC Millennia Credit Card if:

  • You spend heavily on everyday spending
  • This is your first credit card

Choose Swiggy BLCK HDFC Bank Credit Card if:

    Full pros & cons

    HDFC Millennia Credit Card

    What's good
    • 1% cashback on all offline spends
    • Low ₹1L annual spend threshold for fee waiver
    • Points can be used against statement balance (1 CP = ₹1)
    Watch out for
    • Lounge access requires a massive ₹1 Lakh spend in a calendar quarter
    • 5% cashback capped at ₹1,000 per billing cycle
    • Cashback given as CashPoints, requires manual redemption with a ₹50 fee
    • No reward points on wallet loads, Easy EMI, and education payments via third-party apps like CRED/Cheq (direct college/school payments still earn points)
    Apply Now

    Swiggy BLCK HDFC Bank Credit Card

    What's good
    • 10% cashback on Swiggy app spends — food ordering, Instamart, and Dineout (min ₹249/txn, capped ₹1,500/month)
    • 5% cashback on select online categories: apparel, electronics, pharmacies, cabs, travel, entertainment, Nykaa, Cleartrip, etc. (min ₹100, capped ₹1,500/month)
    • Complimentary 3-month Swiggy BLCK Membership on activation
    • Up to 19% off Cleartrip hotels + 6% on travel bookings; 12 free golf lessons + 4 green fees/year
    Watch out for
    • 1% cashback on non-category spends capped at just ₹1,000/month
    • 10% Swiggy cashback requires minimum ₹249 per order
    • No airport lounge access despite being the premium variant
    Apply Now
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