Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs Swiggy BLCK HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank Reserve 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
Customize your spend
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.
Axis Bank Reserve Credit Card
Axis Bank
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Customer service Axis Bank · 1800-XXX-XXXX Authorized signature CVV••• Axis Bank Reserve Credit Card Top reward: 15 EDGE Reward Points/₹200 Annual fee: ₹50,000 Min income: ₹1,00,000/mo Property of Axis Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Axis Bank Reserve Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹1,000 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/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 |
| Top reward rate | 15 EDGE Reward Points/₹200 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | 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.
Share this comparison
https://cardhungry.com/in/en/compare/axis-reserve-vs-hdfc-swiggy-blckReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads Axis Bank Reserve Credit Card by about ₹64,940/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
| Feature | Axis Bank Reserve Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹1,000 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/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 |
| Top reward rate | 15 EDGE Reward Points/₹200 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | 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.
More Axis Bank Reserve Credit Card comparisons
- Axis Bank Reserve Credit Card vs 811 Dream Different Credit Card
- Axis Bank Reserve Credit Card vs AU Altura Credit Card
- Axis Bank Reserve Credit Card vs AU Zenith Credit Card
- Axis Bank Reserve Credit Card vs American Express Gold Card
- Axis Bank Reserve Credit Card vs American Express Platinum Travel Card
- Axis Bank Reserve Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Reserve Credit Card vs Amex Membership Rewards CC
- Axis Bank Reserve Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Magnus Credit Card