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HDFC Bank · HDFC Bank
Millennia vs Swiggy
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
56composite score
95% rule confidence
95% rule confidence
Winner
45composite score
82% rule confidence
82% rule confidence
Annual fee
₹1,000
₹500
Network
Visa
Mastercard
Base reward rate
2.67%
1%
Min. income (monthly)
₹35,000
₹35,000
Min. credit score
700+
700+
Best for
Online shopping
Food delivery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Millennia edges out for most wallets.
- Better base rate, 2.67% vs 1% on everything outside a bonus bucket.
Composite score
Millennia56
Swiggy45
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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