Which card has the lower annual fee?

Axis IOCL 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 IOCL 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

Axis IOCL Credit Card vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of Axis IOCL 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

Axis IOCL Credit Card

Axis Bank

Card 2

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	Axis Bank IOCL 6521 1856 1607 674 Valid thru 12/28 Acc CREDIT Card holder AXIS IOCL CREDIT CARD Customer service Axis Bank · 1800-XXX-XXXX Authorized signature CVV••• Axis IOCL Credit Card Top reward: 20 Edge Miles/₹100 Annual fee: ₹500 Min income: ₹25,000/mo Property of Axis Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Axis IOCL Credit Card Axis Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	₹10,080/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)	—
Dining & delivery	—	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Fuel	₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	10%
Primary reward cap	₹5,000 eligible spend/mo	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹10,930/yr combined NAV (₹850 vs best solo). Both annual fees apply.

Axis IOCL 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 Axis IOCL Credit Card by about ₹9,170/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 IOCL Credit Card vs Swiggy BLCK HDFC Bank Credit Card comparison table
Feature	Axis IOCL Credit Card Axis Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹1,000
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	₹10,080/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)	—
Dining & delivery	—	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo
Fuel	₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	10%
Primary reward cap	₹5,000 eligible spend/mo	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Axis IOCL 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 IOCL 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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