Compare Cards India - Apply Right Credit Card For You

HDFC Bank Millennia Credit Card Apply Now	Cashback SBI Credit Card Apply Now	Swiggy HDFC Bank Credit Card Apply Now	HDFC Bank Regalia Gold Credit Card Apply Now
Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 999 + GST	Joining Fee Rs. 500 + GST	Joining Fee Rs. 2,500 + GST
Rewards and Benefits
Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits NA	Welcome Benefits Complimentary 3-Month Swiggy One Membership	Welcome Benefits Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued
Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate 5% cashback for every online transaction and 1% cashback on other offline transactions. You can earn a maximum of Rs. 5000 cashback in a single statement cycle.	Rewards Rate 10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories	Rewards Rate Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital
Movie & Dining Up to 20% discount at partner restaurants with Swiggy Dineout	Movie & Dining NA	Movie & Dining 10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more	Movie & Dining 20% Discount via Swiggy Dineout
Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption Cashback earned with the card will be automatically credited to next month’s statement.	Reward Redemption Cashback will be automatically redeemed in the form of Swiggy Money	Reward Redemption Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65
Travel One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)	Travel NA	Travel Upto 5% cashback on merchants like Uber and Ola	Travel Complimentary Flight Tickets on Reaching Spend Milestones
Golf N/A	Golf NA	Golf NA	Golf NA
Domestic Lounge N/A	Domestic Lounge NA	Domestic Lounge NA	Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)
International Lounge N/A	International Lounge NA	International Lounge NA	International Lounge 6 complimentary international lounge access
Insurance Benefits N/A	Insurance Benefits NA	Insurance Benefits NA	Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs
Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection The cardholder will not be liable for any fraudulent transaction if the card is reported lost or stolen to the bank in a timely manner.	Zero Liability Protection Cardholder will not be liable for any fraudulent transaction made with the card in case of timely reporting to the bank about loss or theft of card	Zero Liability Protection Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner
Fees & Charges

Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 999 + GST	Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 2,500 + GST
Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver The annual fee can be waived on spending Rs. 2,00,000 or more in the previous year.	Spend Based Waiver Renewal fee waiver on spending Rs. 2 Lakhs in the year	Spend Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year
Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee NIL	Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99
Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 3.5% of the international transaction	Foreign Currency Markup 3.5% of the total amount	Foreign Currency Markup 2% on all forex transactions
Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.5% p.m. (42% p.a.)	Interest Rates 3.6% per month or 43.2% per annum	Interest Rates 3.6%
Fuel Surcharge A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)	Fuel Surcharge 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India. (waiver capped at Rs. 100 per statement)	Fuel Surcharge NA	Fuel Surcharge N/A
Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the amount withdrawn or a minimum charge of Rs. 500.	Cash Advance Charges 2.5% of the amount or Rs. 500, whichever is higher	Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC Bank Millennia Credit Card

Cashback SBI Credit Card

Swiggy HDFC Bank Credit Card

HDFC Bank Regalia Gold Credit Card

Rewards and Benefits

Fees & Charges

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