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Credit CardsComparisons

HDFC Millennia Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

A head-to-head comparison of HDFC Millennia Credit Card and Swiggy ORNGE 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
₹500
Reward Rate
5% on Swiggy + Online
Apply Now Read full review →

Feature comparison

FeatureHDFC MillenniaSwiggy ORNGE
Annual Fee₹1,000 (Waived on ₹1L spend)₹500 (Waived on ₹1.5L spend)
Reward Rate5% on partner brands5% on Swiggy + Online
Best ForMillennial ShoppersCasual Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC MillenniaSwiggy ORNGE
Online shopping
Dining
Everyday spending

Quick verdict

Choose HDFC Millennia Credit Card if:

  • You spend heavily on everyday spending

Choose Swiggy ORNGE HDFC Bank Credit Card if:

  • Lower annual fee (₹500 vs ₹1,000)

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)
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Swiggy ORNGE HDFC Bank Credit Card

What's good
  • 5% cashback on Swiggy (food, Instamart, Dineout) + 50+ online merchants including Amazon, Flipkart, Myntra, Nykaa, Cleartrip — combined cap of ₹1,500/month (min ₹249/txn)
  • Complimentary 12-month Swiggy One membership on activation (worth more than the ₹500 fee)
  • Additional 10% off on Swiggy Dineout during birthday week
Watch out for
  • No 10% Swiggy cashback — only the BLCK variant gets that rate
  • 1% cashback on non-category spends capped at ₹1,000/month
  • No lounge access or travel perks
Apply Now
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