Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs Swiggy BLCK HDFC Bank Credit Card vs Swiggy ORNGE HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, Swiggy BLCK HDFC Bank Credit Card, Swiggy ORNGE 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
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis Bank Flipkart Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | ₹500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹9,660/yr | ₹10,080/yr | ₹7,980/yr |
| Online shopping | ₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/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 | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo |
| Top reward rate | 5% | 10% | 5% |
| Primary reward cap | ₹1,333 rewards/mo cap | ₹1,500 rewards/mo cap | ₹1,500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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https://cardhungry.com/in/en/compare/axis-flipkart-vs-hdfc-swiggy-blck-vs-hdfc-swiggy-orngeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Axis Bank Flipkart Credit Card by about ₹420/yr.
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
| Feature | Axis Bank Flipkart Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | ₹500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹9,660/yr | ₹10,080/yr | ₹7,980/yr |
| Online shopping | ₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/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 | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo |
| Top reward rate | 5% | 10% | 5% |
| Primary reward cap | ₹1,333 rewards/mo cap | ₹1,500 rewards/mo cap | ₹1,500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet loads | EMI · 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?
- 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?
- 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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