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HDFC Swiggy Ornge vs HDFC Millennia
Which credit card is better for you? Fees, rewards & charges side by side.
HDFC Bank
Swiggy Ornge
Mastercard
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | ₹500 | ₹1,000 |
| Joining fee | ₹500 | ₹1,000 |
| Our rating | ★ 4.0 | ★ 4.2 |
| Rewards | 1% – 5% cashback | 1% – 5% cashback |
| Best for | Students & young earners who order on Swiggy | Young professionals using popular shopping & food apps |
| Top benefits | 🍔 5% on Swiggy 🛍️ 5% online 🎉 Swiggy One | 💸 5% cashback 🛒 1% cashback 🎁 ₹1,000 voucher |
| Lounge access | None | 1 domestic/quarter via milestone |
| Fee waiver | Renewal fee waived on ₹1.5 lakh yearly spend | Renewal fee waived on ₹1 lakh yearly spend |
| Min. income | ₹20,000/month | ₹4 lakh/year |
| Credit score | 720+ | 720+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month (45% p.a.) | 3.75%/month (45% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The HDFC Swiggy Ornge Credit Card is ₹500 a year and gives 1% – 5% cashback. The HDFC Millennia Credit Card is ₹1,000 a year and gives 1% – 5% cashback. The HDFC Swiggy Ornge is cheaper to keep. Our rating: HDFC Swiggy Ornge ★ 4.0, HDFC Millennia ★ 4.2.
Choose…
- HDFC Swiggy Ornge if you are: students & young earners who order on Swiggy. 5% on Swiggy Food, Instamart, Dineout · 5% online Amazon, Flipkart, Nykaa, Netflix · Swiggy One free for 12 months.
- HDFC Millennia if you are: young professionals using popular shopping & food apps. 5% cashback on 10 popular brands · 1% cashback on all other spends · ₹1,000 voucher every ₹1L quarter.
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