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Swiggy HDFC Bank vs IDFC FIRST Millennia – Full comparison
Both cards verified with issuer
Swiggy HDFC Bank source IDFC FIRST Millennia sourceAnnual fee structure is a key difference
Key differences
Lowest fee IDFC FIRST Millennia ₹0
Best lounge IDFC FIRST Millennia 4/year lounge
Spend context
At ₹50k/month spend:
- Swiggy HDFC Bank: ~₹500/month at base rate
- IDFC FIRST Millennia: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| Swiggy HDFC Bank HDFC | IDFC FIRST Millennia IDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 4/year | None | 4/year |
| Forex / International Use | ||
| Forex markup No difference | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹500 vs ₹0 | ₹500 | ₹0 |
| Joining fee ₹500 vs ₹0 | ₹500 | ₹0 |
| Fee waiver spend Only available for Swiggy HDFC Bank | ₹2,00,000 | Not clearly specified |
| Rewards | ||
| Reward points (base spend) 1 pts/₹100 vs 3 pts/₹150 | 1 pts/₹100 | 3 pts/₹150 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.