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AU LIT Credit Card vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of AU LIT Credit Card, 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.

AU LIT Credit Card

AU Small Finance Bank

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature
AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual feeLifetime free₹1,000
Fee waiver thresholdLifetime freeWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr₹10,080/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)₹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 rate1–2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus——

Stack mode (hold both)

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

AU LIT Credit Card 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 AU LIT Credit Card by about ₹9,860/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

AU LIT Credit Card vs Swiggy BLCK HDFC Bank Credit Card comparison table
FeatureAU LIT Credit Card

AU Small Finance Bank

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual feeLifetime free₹1,000
Fee waiver thresholdLifetime freeWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr₹10,080/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)₹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 rate1–2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
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?
AU LIT Credit Card lists a minimum monthly income of ₹20,000.
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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