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Amex Membership Rewards CC vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, Swiggy BLCK HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹4,500₹1,000
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr₹10,080/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery—₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Top reward rate2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹4,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Amex Membership Rewards CC details →Swiggy BLCK HDFC Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads Amex Membership Rewards CC by about ₹14,274/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs Swiggy BLCK HDFC Bank Credit Card comparison table
FeatureAmex Membership Rewards CC

American Express

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹4,500₹1,000
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr₹10,080/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery—₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Top reward rate2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
Swiggy BLCK HDFC Bank Credit Card has the lowest annual fee at ₹1,000.
Which card earns more on moderate spend?
Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.
Which card has the lower income requirement?
Swiggy BLCK HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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