Side-by-side · honest numbers
Swiggy HDFC Bank Credit Card vs IDFC FIRST Millennia Credit Card vs SBI Card PRIME
Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, IDFC FIRST Millennia Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹7,438/yr.
| Feature | Swiggy HDFC Bank Credit Card HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | ₹4,712/yr | ₹1,501/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10% | 3% | 4X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
- 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
Change spend profile or swap cards — results update live below.
Swiggy HDFC Bank Credit Card
HDFC Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹2,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | ₹5,00,000/yr |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | ₹4,712/yr | ₹1,501/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | 3% cashback → ₹300/mo (₹3,600/yr) | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10% | 3% | 4X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/hdfc-swiggy-vs-idfc-first-millennia-vs-sbi-primeMore Swiggy HDFC Bank Credit Card comparisons
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