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Axis Bank Flipkart Credit Card vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of Axis Bank Flipkart 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.

Axis Bank Flipkart Credit Card

Axis Bank

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature
Axis Bank Flipkart Credit Card credit card

Axis Bank Flipkart Credit Card

Axis Bank

Swiggy BLCK HDFC Bank Credit Card credit card

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹1,000
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹14,460/yr₹10,080/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,333/mo₹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 rate5%10%
Primary reward cap₹1,333 rewards/mo cap₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹500—

Stack mode (hold both)

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

Axis Bank Flipkart 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, Axis Bank Flipkart Credit Card leads Swiggy BLCK HDFC Bank Credit Card by about ₹4,380/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

Axis Bank Flipkart Credit Card vs Swiggy BLCK HDFC Bank Credit Card comparison table
FeatureAxis Bank Flipkart Credit Card

Axis Bank

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹1,000
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹14,460/yr₹10,080/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,333/mo₹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 rate5%10%
Primary reward cap₹1,333 rewards/mo cap₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
Axis Bank Flipkart Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
Axis Bank Flipkart Credit Card leads with an estimated ₹14,460/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank Flipkart 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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