HDFC Millenia vs Tata Neu Plus vs Swiggy Credit Card – Best for Rewards?
Choosing between HDFC Millenia, Tata Neu Plus, and Swiggy Credit Cards depends on your spending habits and lifestyle preferences. The Millenia Card excels for online shoppers seeking premium cashback on top e-commerce platforms like Amazon, Flipkart, and food delivery apps, with generous lounge access. The Tata Neu Plus card is designed for Tata ecosystem loyalists, offering accelerated NeuCoins rewards on Tata brands and UPI transactions. The Swiggy card specializes in food delivery with an unbeatable 10% cashback on all Swiggy orders. Each card has distinct fee structures, reward caps, and benefits. This comprehensive guide compares features, cashback rates, annual fees, lounge access, and redemption options to help you pick the perfect card for your wallet.
| Hdfc Millenia Card | Tata Neu Plus Hdfc Card | Swiggy Hdfc Credit Card |
|---|---|---|
 HDFC Bank |  HDFC Bank |  HDFC Bank |
| Card Network | ||
| Mastercard, Visa | RuPay | Mastercard |
| USP | ||
| The HDFC Millennia Card offers premium cashback rewards on top online merchants, fuel surcharge waivers, and generous domestic lounge access, making it ideal for millennials and savvy online shoppers seeking maximum lifestyle and travel benefits. | The Tata Neu Plus HDFC Bank Credit Card delivers accelerated NeuCoins rewards on Tata brand and Tata Neu app spends, coupled with fuel surcharge waivers and exclusive domestic lounge access, making it ideal for Tata loyalists and lifestyle-focused shoppers. | The Swiggy HDFC Credit Card offers 10% cashback on all Swiggy spends including food, Instamart, and Dineout, plus 5% cashback on select online shopping and 1% on other retail spends. It is ideal for frequent food delivery users and online shoppers seeking maximum cashback with easy redemption and low fees. |
| Annual Fee | ||
| 1000 + Applicable Taxes | 499 + Applicable Taxes | 500 Lifetime free for select users |
| Joining Fee | ||
| 1000 + Applicable Taxes | 499 + Applicable Taxes (No Joining Fee For Select Users) | 500 Lifetime free for select users |
| Welcome Benefits | ||
| 1000 bonus CashPoints credited on payment of joining fee, redeemable against statement credit or rewards | Get 499 NeuCoins only on payment of Rs. 499 Joining Fee | Complimentary 3-month Swiggy One Membership worth ₹1,199 on card activation; no direct cashback or vouchers at joining |
| Lounge Access | ||
| Domestic: 2 per quarter | International: 2 per quarter On spends of ₹1,00,000+ in the last 3 months | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months | N/A |
| Reward Rate | ||
| Get 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, and select partners (capped at ₹1,000/month) and 1% cashback on other spends (also capped at ₹1,000/month) | Earn 2% NeuCoins on Tata Neu and Tata brand spends, 1% NeuCoins on other transactions including UPI (with monthly cap), plus an extra 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership. | Earn 10% cashback on Swiggy orders (food, Instamart, Dineout, Genie) up to ₹1,500/month, 5% cashback on eligible online shopping up to ₹1,500/month, and 1% cashback on other retail spends up to ₹500/month. Cashback does not apply to fuel, rent, wallets, EMI, jewelry, and specific exclusions |
| Interest Rate | ||
| Approximately 3.6% per month (43.2% per annum) on revolving credit and cash advances | 3.6% per month (43.20% per annum) on revolving credit and cash advances | 3.75% per month (45% per annum) |
| Best For | ||
| Online Shopping | UPI | Food Ordering, Online Shopping |
| Pros | ||
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| Apply Now | Apply Now | Apply Now |
Final Verdict
The HDFC Millenia Card is ideal for well-rounded online shoppers who frequently use Amazon, Flipkart, and food delivery apps while valuing quarterly lounge access and premium perks. The Tata Neu Plus card suits Tata ecosystem loyalists and UPI-heavy users seeking affordable rewards on everyday Tata brand purchases. The Swiggy card is unbeatable for frequent Swiggy users and food delivery enthusiasts who want maximum cashback without annual fees. Choose Millenia for diversified online shopping with travel benefits, Tata Neu Plus for Tata brand loyalty and UPI rewards, or Swiggy for specialized food delivery cashback and online shopping savings.
Frequently Asked Questions
1. Which card is best for online shopping: HDFC Millenia vs Tata Neu Plus vs Swiggy?
The HDFC Millenia offers 5% cashback on Amazon and Flipkart, while Swiggy provides 5% on select online merchants. Tata Neu Plus gives only 1% on general online shopping but 2% on Tata Neu app purchases. For broad e-commerce shopping, Millenia edges ahead with better partner coverage. Swiggy excels if you combine food delivery with online shopping within its eligible merchant list.
2. Is Swiggy HDFC card worth it if I don’t order food frequently?
If you order less than 5-6 times monthly on Swiggy, the card’s value diminishes significantly. The 10% Swiggy cashback is capped at ₹1500/month, requiring ₹15,000 Swiggy spend to maximize. However, the 5% cashback on online shopping (up to ₹1500/month) and lifetime free option still make it decent for occasional users who shop online regularly.
3. Does Tata Neu Plus card give lounge access without spending requirements?
No, the Tata Neu Plus requires ₹50,000 spending in the previous quarter to unlock 1 domestic lounge visit per quarter. Without meeting this threshold, you won’t get any lounge access. In comparison, HDFC Millenia offers 2 domestic and 2 international lounge visits quarterly with a higher ₹1,00,000 spend requirement.
4. Which card has the lowest annual fee: Millenia vs Tata Neu Plus vs Swiggy?
Swiggy HDFC card is lifetime free for select users, making it the most affordable. Tata Neu Plus charges ₹499 annually, which is waived on ₹50,000 yearly spend. HDFC Millenia costs ₹1000 annually with waiver on ₹1,00,000 spend. If fee avoidance is priority, Swiggy wins, followed by Tata Neu Plus for budget-conscious users.
5. Can I earn rewards on UPI payments with these cards?
Only the Tata Neu Plus HDFC card offers 1% NeuCoins on UPI transactions, making it unique among these three cards. Both HDFC Millenia and Swiggy cards do not provide any rewards or cashback on UPI payments. If UPI spending forms a significant part of your expenses, Tata Neu Plus is the clear winner.
6. How do cashback caps compare across Millenia, Tata Neu Plus, and Swiggy cards?
HDFC Millenia caps premium merchant cashback at ₹1000/month and other spends at ₹1000/month. Swiggy limits Swiggy orders to ₹1500/month, online shopping to ₹1500/month, and other spends to ₹500/month. Tata Neu Plus has monthly caps on UPI and non-Tata transactions. High spenders should calculate which cap structure aligns with their spending patterns for maximum rewards.
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