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.

Side-by-side · honest numbers

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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

Amex Membership Rewards CC

American Express

Card 2

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	American Express Amex Membership Rewards CC 3782 -36359 1346 Valid thru 12/28 Acc CREDIT Card holder AMEX MEMBERSHIP REWARD Customer service American Express · 1800-XXX-XXXX Authorized signature CVV••• Amex Membership Rewards CC Top reward: 2 RP/₹150 Annual fee: ₹4,500 Min income: ₹60,000/mo Property of American Express. If found, return to nearest branch. Not valid unless signed. Tap to flip back Amex Membership Rewards CC American Express	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹4,500	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
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 rate	2 RP/₹150	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI · 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
Feature	Amex Membership Rewards CC American Express	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹4,500	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
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 rate	2 RP/₹150	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	EMI · 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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