HDFC Millennia Credit Card
Rs 1,000Annual fee
Rs 1,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Either Rs 1,000 gift voucher or 1 domestic lounge access voucher on spends of Rs 1,00,000 and above in each calendar quarter
3.5%Forex markup
Best for
online, wallets, cashback
Top rewards
select online merchants: 5% CashBack; others: 1% CashBack; smartbuy: Up to 10% CashBack
Swiggy HDFC Bank BLCK Credit Card
Rs 1,000Annual fee
0Domestic lounge
3.5%Forex markup
Best for
swiggy, food delivery, online shopping, cashback
Top rewards
Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback
| Feature | HDFC Millennia Credit Card | Swiggy HDFC Bank BLCK Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, Mastercard | Mastercard |
| Joining fee | Rs 1,000 | Rs 1,000 |
| Annual fee | Rs 1,000 | Rs 1,000 |
| Fee waiver spend | Rs 1,00,000 | - |
| Reward type | cashback | cashback |
| Best for | online, wallets, cashback | swiggy, food delivery, online shopping, cashback |
| Top reward categories | select online merchants: 5% CashBack; others: 1% CashBack; smartbuy: Up to 10% CashBack | Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback |
| SmartBuy / accelerated caps | smartbuy: daily 1,000 cashback, monthly 1,000 cashback | Not listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Either Rs 1,000 gift voucher or 1 domestic lounge access voucher on spends of Rs 1,00,000 and above in each calendar quarter | Not listed |
| Redemption | SmartBuy travel: upto Rs 1 per point; Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | fuel, rent, government payments, cash withdrawal, wallet loads, emi transactions | Fuel transactions, Rent payments, EMI transactions (including post-facto EMI conversions), Government-related transactions, Jewellery purchases, Prepaid card, gift card, and wallet loads |