Swiggy HDFC Bank Credit Card vs HDFC Millennia Credit Card

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	Swiggy HDFC	HDFC Millennia
Best Suited for	🍽️ Dining 💰 Cashback	💰 Cashback 🛍️ Online Shopping
Fee Details	Joining Fee: ₹500 Annual/Renewal Fee: ₹500 Waived off on annual spends of Rs. 2 Lakh	Joining Fee: ₹1,000 Annual/Renewal Fee: ₹1,000 NA
Welcome Benefit	3 months Swiggy One Membership worth Rs. 1,199 on card activation Bonus 1,000 cash points on joining fee payment	-
Reward/Cashback Rate	10% cashback up to Rs. 1,500/month on Swiggy food ordering, Instamart, Dineout & Genie 5% cashback up to Rs. 1,500 per month on online spends 1% cashback up to Rs. 500 per month on other spends Cashback redeemable against outstanding amount due	5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato 1% cashback up to 1,000 cash points/month on other spends
Lounge Access	NA	Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends
Pros	10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie 5% cashback on other online spends, covering day-to-day categories Complimentary 3-month Swiggy One membership Complimentary golf rounds and lessons with the Mastercard variant	Up to 5% cashback on major lifestyle-related online spends Bonus points worth the joining fee on activation Multiple redemption options with redemption value of up to 1:1 Annual fee waiver condition is quite easily achievable
Cons	Maximum cashback capping of Rs. 3,500 across all categories No complimentary lounge access benefits No cashback benefits on select Swiggy spends—Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor	Monthly capping on cashback earning Low cashback rate for non-accelerated category Exclusion of major everyday spends like utilities and rent from cashback earning Lounge access benefit is optional and spend-based
Who should get this card?	Those who frequently spend on food delivery, dining or order products & groceries online and prefer cashback over reward points on their spends	Those who frequently spend online across partner brands.