HDFC Millennia vs HDFC Swiggy BLCK
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Millennia wins 4-1. Online shoppers spending ₹15K–50K/month HDFC Swiggy BLCK is still the right call if regular swiggy orderers: 10% back on food, instamart and dineout..
Side-by-side
| Criterion | HDFC Millennia | HDFC Swiggy BLCK |
|---|---|---|
| Annual fee | = ₹1,000 | = ₹1,000 |
| Joining fee | = ₹1,000 | = ₹1,000 |
| Top reward rate | · 5% (shopping) | 10% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 3-month Swiggy BLCK membership |
| Fee waiver threshold | ₹1,00,000 / yr | · ₹2,00,000 / yr |
| Min income | ₹4,20,000 | · ₹12,00,000 |
| Min credit score | 750 | · N/A |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
HDFC Swiggy BLCK
- 10% cashback on Swiggy food, Instamart and Dineout, on orders of ₹249 or more (up to ₹1,500 a cycle)
- 5% cashback on select online merchants and categories, including Cleartrip and Nykaa (up to ₹1,500 a cycle)
- 1% cashback on other spends (up to ₹1,000 a cycle), excluding fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- Cashback credited to your card statement each cycle
- Joining fee waived on ₹75,000 spend in the first 90 days; renewal waived on ₹2,00,000 a year
FAQ
›HDFC Millennia vs HDFC Swiggy BLCK: which is better?
HDFC Millennia wins on more dimensions (4 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, HDFC Swiggy BLCK for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. HDFC Swiggy BLCK: 3-month Swiggy BLCK membership.