#1₹4,746/yr
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹35,000/mo income · Unsecured
Shopping Partners·HDFC Bank
5% on 10 named online merchants, 1% elsewhere.
Age 21–60 · From ₹35,000/mo income · Unsecured
Key Benefits
All 12 benefits →10 named online merchants
5%
₹1,000/mo
Other spends
1% cashback
Min ₹100 redemption
Welcome benefit
₹1,000 voucher
On activation
Online
5%
Cap ₹1,000/mo
Signup bonus: ₹1,000 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
27 Oct 2026
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27 Oct 2026
Amazon Great Indian Festival 2026: Best Credit Card + Bank Offer Combos
Amazon has named SBI, not HDFC or ICICI, for the sale-day discount. Here’s how the card you pay with changes what you actually keep.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HDFC Millennia T&Cs (Dec 2023 lounge revision)
Amazon, Flipkart & co-branded accelerators
Visa/Mastercard — UPI credit not supported. SmartBuy and online partner spends earn via card rails only.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: HDFC Millennia T&Cs (Dec 2023 lounge revision)
10 named online merchants
Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BMS, Cult.fit, Sony LIV, Tata CLiQ
5%
Cap: ₹1,000/mo
Example: ₹1,000/mo spend → ≈ ₹50/mo (max at cap)
Other spends
Min ₹100 redemption
1% cashback
Example: ₹10,000/mo spend → ≈ ₹100/mo
Welcome benefit
On activation
₹1,000 voucher
Fee waiver at
₹1,00,000 annual spend
Lounge access
Milestone domestic lounge — up to 4/year
Spend criteria: No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)
Based on moderate spend for this market
Est. net annual
₹3,612
per year
Annual fee
Free
per year
Effective return
1.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹1,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹1,000
Annual / renewal fee
Waived on ₹1,00,000 annual spend
₹1,000
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹35,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹4,032/year. After the ₹1,000 annual fee, net value is approximately ₹3,612/year. Use the calculator above to model your own spends.
₹35,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Government.
Deeper rankings and comparisons for similar use cases.
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Swiggy ORNGE HDFC Bank Credit Card
5% · Shopping Partners
Strong runner-up at ₹4,116/yr net — roughly ₹630 behind #1 on the same spend mix.
ICICI Amazon Pay Credit Card
5% · Shopping Partners
Worth a look — ₹3,793/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
