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Swiggy BLCK HDFC Bank Credit Card vs HDFC Bank Millennia

Verified 8 sources

Your monthly spend

Swiggy BLCK HDFC Bank Credit Card and HDFC Bank Millennia are level at ₹3,400 a year at ₹30,000 a month, after fees

HDFC Bank Millennia beats Swiggy BLCK HDFC Bank Credit Card by ₹4,000 a year at ₹75,000 a month: ₹12,500 against ₹8,500, after fees

HDFC Bank Millennia beats Swiggy BLCK HDFC Bank Credit Card by ₹4,000 a year at ₹1.5 lakh a month: ₹16,000 against ₹12,000, after fees

HDFC Bank Millennia beats Swiggy BLCK HDFC Bank Credit Card by ₹4,000 a year at ₹3 lakh a month: ₹16,000 against ₹12,000, after fees

HDFC Bank Millennia beats Swiggy BLCK HDFC Bank Credit Card by ₹4,000 a year at ₹5 lakh a month: ₹16,000 against ₹12,000, after fees

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Swiggy BLCK HDFC Bank Credit Card

Our verdict: Keep

HDFC Bank Millennia credit card

HDFC Bank

HDFC Bank Millennia

Our verdict: Keep

HDFC Bank Millennia vs Swiggy BLCK HDFC Bank Credit Card: which should you pick?

HDFC's two ₹1,000 cashback cards. Swiggy BLCK pays 10% on Swiggy and 5% at a named list of online merchants, each under its own ₹1,500 cap a billing cycle, over a 1% base capped at ₹1,000; Millennia pays 5% at ten named merchants and 1% elsewhere, each capped at 1,000 CashPoints a calendar month. Millennia out-earns Swiggy BLCK everywhere but the lightest spend, where the two are level. Millennia's fee waives at ₹1,00,000 of spend against ₹2,00,000; both charge 3.5% abroad, and Millennia's only lounge is a quarterly voucher you take instead of ₹1,000 of brand vouchers.

Both are HDFC Bank cards: Swiggy BLCK HDFC Bank Credit Card costs ₹1,000/yr, HDFC Bank Millennia ₹1,000/yr. HDFC Bank Millennia is ahead of Swiggy BLCK HDFC Bank Credit Card at 19 of the 20 spends we test between ₹25,000 and ₹5 lakh a month and level at the rest; its lead is widest at ₹50,000 a month, at ₹4,000 a year. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Bank Millennia returns ₹12,500 a year in rewards to Swiggy BLCK HDFC Bank Credit Card's ₹8,500. On the rows below, Swiggy BLCK HDFC Bank Credit Card has no clear edge over HDFC Bank Millennia.

Swiggy BLCK HDFC Bank Credit Card review HDFC Bank Millennia review

Side by side

Swiggy BLCK HDFC Bank Credit Card and HDFC Bank Millennia, fact by fact
FactSwiggy BLCK HDFC Bank Credit CardHDFC Bank Millennia
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹1,000/yr₹1,000/yr
Fee waiverSpend ₹2,00,000 a yearSpend ₹1,00,000 a year
Reward rate on everyday spend1.0%1.0%
PointsStatement cashback (₹)HDFC Bank CashPoints
Our value per point₹1.00 †₹1.00 †
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.5% + GST3.5% + GST
Welcome benefitComplimentary Swiggy BLCK membership for 3 months, released on card activation (activate within 37 days of issuance and claim it in the Swiggy app); an existing Swiggy One membership is cancelled and refunded so the BLCK one can be claimed1,000 CashPoints (₹1,000 as statement credit) on payment of the joining fee — and nothing at all on renewal

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. HDFC Bank Millennia is ahead on 5 of the 5 rows we can call.

More facts 7 rows
Rank, verdict, lounge visits and fine print
FactSwiggy BLCK HDFC Bank Credit CardHDFC Bank Millennia
Our rank#228#137✓ Better
Our verdictKeepKeep
Lounge visits in IndiaNone — not among the variants the MITC's "Lounge Access" section names1 HOI lounge voucher per calendar quarter — but only INSTEAD of the ₹1,000 milestone voucher, never as well
Lounge visits abroadNone — the MITC names other variants in its international lounge clauseNone
Interest (APR)3.75%/mo (45%/yr)3.75%/mo (45%/yr)
Income needed (salaried)₹1,00,000+/month net₹35,000+/month net
Income needed (self-employed)not publishedITR ₹6L+/yr

† Swiggy BLCK HDFC Bank Credit Card: The unit is the rupee. HDFC's own FAQ: "CashBack is automatically credited to your card account as statement credit after it is earned", and the T&C auto-redeems it against the outstanding balance — no points, no catalogue, and no redemption request for HDFC's ₹50 cashback-redemption fee to attach to. The numbers that govern this card are the three billing-cycle ceilings: ₹1,500 on the 10% Swiggy leg, a SEPARATE ₹1,500 on the 5% online leg, and ₹1,000 on the 1% leg.

† HDFC Bank Millennia: Millennia's CashPoints are worth ₹1 each — but only against the statement, only above a 500-point minimum, only 3,000 points a calendar month, and only after a ₹50 redemption fee HDFC added on 1 August 2024. Point them at travel and they collapse to ₹0.30: that is the rate on SmartBuy flights and hotels, on the rewards catalogue, and on Airmiles, and the catalogue route adds ₹99 + taxes of handling on top. Flight and hotel bookings can absorb at most 50% of the fare in points, capped at 50,000 points a month. There is no transfer partner — this currency does not reach an airline programme at all.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendSwiggy BLCK HDFC Bank Credit CardHDFC Bank Millennia
At ₹30,000 a month₹3,400₹3,400
At ₹75,000 a month₹8,500₹12,500✓ Better
At ₹1.5 lakh a month₹12,000₹16,000✓ Better
At ₹3 lakh a month₹12,000₹16,000✓ Better
At ₹5 lakh a month₹12,000₹16,000✓ Better
Pays for itself from₹9,000 a month₹9,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Swiggy BLCK HDFC Bank Credit Card and HDFC Bank Millennia at each ₹25,000 step
Monthly spendSwiggy BLCK HDFC Bank Credit CardHDFC Bank MillenniaAhead
₹25,000₹2,800₹2,800Level
₹50,000₹5,600₹9,600✓ BetterHDFC Bank Millennia by ₹4,000
₹75,000₹8,500₹12,500✓ BetterHDFC Bank Millennia by ₹4,000
₹1 lakh₹11,300₹15,300✓ BetterHDFC Bank Millennia by ₹4,000
₹1.25 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹1.5 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹1.75 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹2 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹2.25 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹2.5 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹2.75 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹3 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹3.25 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹3.5 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹3.75 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹4 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹4.25 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹4.5 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹4.75 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹5 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

Swiggy BLCK HDFC Bank Credit Card's Statement cashback (₹) cannot be moved to any airline or hotel; HDFC Bank Millennia's HDFC Bank CashPoints cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Swiggy BLCK HDFC Bank Credit Card

  • Each accelerated leg caps at ₹1,500 of cashback a billing cycle: the 10% dies at ₹15,000 of Swiggy spend a month and the 5% at ₹30,000 of online spend
  • The 1% leg has its own separate ceiling of ₹1,000 a billing cycle
  • HDFC's own value chart prices this card at 4.00%, on ₹40,000 a month of spend — the 10% headline is not the rate you get

6 more on its page

HDFC Bank Millennia

  • The lounge is an EITHER/OR: one HOI lounge voucher or a ₹1,000 brand voucher per quarter, never both — 4 visits a year at absolute best
  • Complimentary lounge access was withdrawn on 30 Nov 2023; walk-in visits on the card are now charged at the lounge's own rate
  • Points are ₹1 only as statement credit — ₹0.30 on SmartBuy flights, hotels, catalogue and Airmiles

6 more on its page

Common questions 5 answered

Which is better, Swiggy BLCK HDFC Bank Credit Card or HDFC Bank Millennia?

Both are HDFC Bank cards: Swiggy BLCK HDFC Bank Credit Card costs ₹1,000/yr, HDFC Bank Millennia ₹1,000/yr. HDFC Bank Millennia is ahead of Swiggy BLCK HDFC Bank Credit Card at 19 of the 20 spends we test between ₹25,000 and ₹5 lakh a month and level at the rest; its lead is widest at ₹50,000 a month, at ₹4,000 a year. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Bank Millennia returns ₹12,500 a year in rewards to Swiggy BLCK HDFC Bank Credit Card's ₹8,500. On the rows below, Swiggy BLCK HDFC Bank Credit Card has no clear edge over HDFC Bank Millennia.

Swiggy BLCK HDFC Bank Credit Card or HDFC Bank Millennia: which is worth more at ₹3 lakh a month?

HDFC Bank Millennia beats Swiggy BLCK HDFC Bank Credit Card by ₹4,000 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Swiggy BLCK HDFC Bank Credit Card or HDFC Bank Millennia?

They cost the same: ₹1,000/yr. Swiggy BLCK HDFC Bank Credit Card waives its fee if you spend ₹2,00,000 a year; HDFC Bank Millennia waives its fee if you spend ₹1,00,000 a year.

Which gets you into more airport lounges, Swiggy BLCK HDFC Bank Credit Card or HDFC Bank Millennia?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

Both cards were last checked against their banks' own documents on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Both cards were last checked against their banks' own documents on 24 Oct 2026. Every fact above comes from these 8 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 8 sources
  1. Official Swiggy BLCK product page — the ₹1,000 combined joining/renewal fee, the ₹75,000 first-year and ₹2,00,000 renewal waivers, and HDFC's value chart pricing it at 4.00% read
  2. Official Terms and Conditions — Swiggy BLCK HDFC Bank Credit Card, published 22 May 2026: the SEPARATE ₹1,500 caps on the 10% and 5% legs, and the ₹1,000 cap on the 1% leg read
  3. Official HDFC Bank Most Important Terms and Conditions, version 4.15 dated October 2026 — the ₹1,000 fee row, both waivers, and the statement-credit rule read
  4. Official HDFC's Swiggy card-migration FAQ — old Swiggy cardholders land on Ornge unless they opt for BLCK, which keeps its ₹1,000 annual fee read
  5. Official HDFC Bank's Millennia product page — the 5%/1% CashBack structure, the quarterly milestone, and the redemption grid (₹1 statement, ₹0.30 SmartBuy, ₹0.30 Airmiles) read
  6. Official Millennia product T&C, published 20 July 2026 — the 1,000-CashPoint monthly cap on both earn buckets, and "1 CashPoint = ₹1 for Millennia Credit Card Holders" read
  7. Official "HDFC Bank Millennia Credit Card — Lounge Access", published 6 Feb 2026: the lounge is one option on the quarterly voucher list, and the old 2-a-quarter quota is gone read
  8. Official Millennia fees & charges page — "Joining/renewal membership fee: ₹1,000 plus applicable taxes", waived on ₹1 lakh of spend before the renewal date read

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