Which card has the lower annual fee?

HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.

Which card earns more on moderate spend?

Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.

Which card has the lower income requirement?

Swiggy BLCK HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Millennia Credit Card vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of HDFC Millennia Credit Card, Swiggy BLCK HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Millennia Credit Card

HDFC Bank

Card 2

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC Millennia Credit Card HDFC Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹1,000	₹1,000
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹35,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,300/yr	₹10,080/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Top reward rate	5%	10%
Primary reward cap	₹1,000 rewards/mo cap	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	₹1,000	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Millennia Credit Card details →Swiggy BLCK HDFC Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads HDFC Millennia Credit Card by about ₹3,780/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Millennia Credit Card vs Swiggy BLCK HDFC Bank Credit Card comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹1,000	₹1,000
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹35,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,300/yr	₹10,080/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Top reward rate	5%	10%
Primary reward cap	₹1,000 rewards/mo cap	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	₹1,000	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
Which card earns more on moderate spend?: Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.
Which card has the lower income requirement?: Swiggy BLCK HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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