Compare : Swiggy HDFC Bank Credit Card vs HDFC Millennia Credit Card

3 months Swiggy One Membership worth Rs. 1,199 on card activation

Bonus 1,000 cash points on joining fee payment

10% cashback up to Rs. 1,500/month on Swiggy food ordering, Instamart, Dineout & Genie

5% cashback up to Rs. 1,500 permonth 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

NA

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

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

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

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.