Side-by-side · honest numbers
Swiggy HDFC Bank Credit Card vs IDFC FIRST Millennia Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, IDFC FIRST Millennia Credit Card, YES ACE Credit Card — 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 | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹500 | ₹0 | ₹499 |
| Min income (monthly) | ₹25,000 | ₹20,000 | ₹25,000 |
| Top reward rate | 10% | 3% | 4% cashback |
| Net annual value (moderate spend) | ₹12,150/yr | ₹4,712/yr | ₹4,451/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
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.
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 | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹500 | ₹0 | ₹499 |
| Min income | ₹25,000 | ₹20,000 | ₹25,000 |
| Top reward rate | 10% | 3% | 4% cashback |
| Net value (moderate) | ₹12,150/yr | ₹4,712/yr | ₹4,451/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
More Swiggy HDFC Bank Credit Card comparisons
- Swiggy HDFC Bank Credit Card vs 811 Dream Different Credit Card
- Swiggy HDFC Bank Credit Card vs AU Altura Credit Card
- Swiggy HDFC Bank Credit Card vs AU Zenith Credit Card
- Swiggy HDFC Bank Credit Card vs American Express Gold Card
- Swiggy HDFC Bank Credit Card vs American Express Platinum Travel Card
- Swiggy HDFC Bank Credit Card vs Amex Membership Rewards CC
- Swiggy HDFC Bank Credit Card vs Axis Bank ACE Credit Card
- Swiggy HDFC Bank Credit Card vs Axis Bank Atlas Credit Card
- Swiggy HDFC Bank Credit Card vs Axis Bank Flipkart Credit Card
- Swiggy HDFC Bank Credit Card vs Axis Bank Magnus Credit Card
- Swiggy HDFC Bank Credit Card vs Axis Bank My Zone Credit Card
- Swiggy HDFC Bank Credit Card vs Axis Bank Neo Credit Card