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CARD VS CARD · 28 APPS COMPARED

HDFC Millennia vs Swiggy BLCK HDFC

HDFC Millennia wins on 2 apps, Swiggy BLCK HDFC on 9. HDFC Millennia for Tata CLiQ and Zomato; Swiggy BLCK HDFC for Swiggy Instamart and Swiggy.

HDFC Bank Millennia Credit Card

HDFC Millennia

2 apps

Best for Tata CLiQ and Zomato

₹1,000 a yearFee waived at ₹1,00,000 spendPaid as Reward Points
Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC

9 apps

Best for Swiggy Instamart, Swiggy and AJIO

₹1,000 a yearFee waived at ₹75,000 spendPaid as cashback

They earn the same on 17 apps.

App by app

Biggest differences first. Blue marks the card that earns more.

AppHDFC MillenniaSwiggy BLCK HDFC
  1. Swiggy Instamart1%10%min ₹249
  2. Swiggy5%10%min ₹249
  3. AJIO1%5%min ₹100
  4. Cleartrip1%5%min ₹100
  5. Goibibo1%5%min ₹100
  6. ixigo1%5%min ₹100
  7. Meesho1%5%min ₹100
  8. Nykaa1%5%min ₹100
  9. Reliance Digital1%5%min ₹100
  10. Tata CLiQ5%1%min ₹100
  11. Zomato5%1%min ₹100
  12. Airtel Thanks1%1%min ₹100
  13. Amazon5%5%min ₹100
  14. Apollo 24|71%1%min ₹100
  15. BigBasket1%1%min ₹100
  16. Blinkit1%1%min ₹100
  17. BookMyShow5%5%min ₹100
  18. District1%1%min ₹100
  19. Domino's1%1%min ₹100
  20. Flipkart5%5%min ₹100
  21. IRCTC Rail Connect0%0%min ₹100
  22. JioMart1%1%min ₹100
  23. MakeMyTrip1%1%min ₹100
  24. Myntra5%5%min ₹100
  25. PVR INOX1%1%min ₹100
  26. Tata Neu1%1%min ₹100
  27. Uber5%5%min ₹100
  28. Zepto1%1%min ₹100

Questions people ask

Which is better, HDFC Millennia or Swiggy BLCK HDFC?

HDFC Millennia earns more on 2 of the 28 apps Pickkard covers, Swiggy BLCK HDFC on 9, and they earn the same on 17. Choose HDFC Millennia if you spend most on Tata CLiQ and Zomato. Choose Swiggy BLCK HDFC if you spend most on Swiggy Instamart, Swiggy and AJIO.

Which has the lower fees, HDFC Millennia or Swiggy BLCK HDFC?

HDFC Millennia: joining ₹1,000, annual ₹1,000 (Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.). Swiggy BLCK HDFC: joining ₹1,000, annual ₹1,000 (Joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year.).

Can I use both HDFC Millennia and Swiggy BLCK HDFC?

Yes. Many people keep both and use each where it earns more: HDFC Millennia on Tata CLiQ and Zomato, Swiggy BLCK HDFC on Swiggy Instamart, Swiggy and AJIO. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.