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

AU Zenith Credit Card vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of AU Zenith 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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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

AU Zenith Credit Card

AU Small Finance Bank

Card 2

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	AU Small Finance Bank AU Zenith 6521 110 4737 282 Valid thru 12/28 Acc CREDIT Card holder AU ZENITH CREDIT CARD Customer service AU Small Finance Bank · 1800-XXX-XXXX Authorized signature CVV••• AU Zenith Credit Card Top reward: 3X points/₹150 Annual fee: ₹7,999 Min income: ₹75,000/mo Property of AU Small Finance Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back AU Zenith Credit Card AU Small Finance Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹7,999	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹75,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹8,478/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
Travel	₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)	—
Top reward rate	3X points/₹150	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · 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 Zenith 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 Zenith Credit Card by about ₹18,558/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 Zenith Credit Card vs Swiggy BLCK HDFC Bank Credit Card comparison table
Feature	AU Zenith Credit Card AU Small Finance Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹7,999	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹75,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹8,478/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
Travel	₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)	—
Top reward rate	3X points/₹150	10%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

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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