Compare any credit cards (2026)
Choose any two or three cards and enter your monthly spend. We compute the honest net annual value in ₹ for each — caps, exclusions, fee waivers and milestones included. All ₹ values exclude GST.
Quick fill:
Your monthly spend
₹50,000/mo₹6,000
₹3,500
₹2,000
₹5,000
₹7,000
₹4,000
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
₹4,000
Frequently excluded from rewards in India.
₹4,000
₹10,000
Almost always earns ₹0 and may carry a fee.
₹1,500
Often excluded or capped.
₹3,000
WINNER
Swiggy HDFC Bank Credit Card
Best value
HDFC Bank · fee waived at your spend
₹15,060
net value / year
Rewards: ₹15,060Milestones: ₹0Fee: −₹0
HDFC Millennia Credit Card
HDFC Bank · fee waived at your spend
₹10,660
net value / year
Rewards: ₹9,660Milestones: ₹1,000Fee: −₹0
Smart Verdict
Choose Swiggy HDFC Bank Credit Card to earn an extra ~₹4,400
Swiggy HDFC Bank Credit Card wins by ₹4,400/yr vs HDFC Millennia Credit Card, mainly from your dining & food delivery spend. It flips to HDFC Millennia Credit Card if that drops to about ₹0/mo.Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).