Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs Swiggy BLCK HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, Swiggy BLCK HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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 SELECT Credit Card
Axis Bank
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis Bank SELECT 6521 1981 3372 8046 Valid thru 12/28 Acc CREDIT Card holder AXIS BANK SELECT CREDI Customer service Axis Bank · 1800-XXX-XXXX Authorized signature CVV••• Axis Bank SELECT Credit Card Top reward: 2 EDGE miles/₹150 Annual fee: ₹3,000 Min income: ₹50,000/mo Property of Axis Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Axis Bank SELECT Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,000 | ₹1,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹12/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 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | 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 | — | — |
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https://cardhungry.com/in/en/compare/axis-select-vs-hdfc-swiggy-blckReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads Axis Bank SELECT Credit Card by about ₹10,068/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 SELECT Credit Card Axis Bank | Swiggy BLCK HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,000 | ₹1,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹12/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 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | 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.
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