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.

Side-by-side · honest numbers

HDFC Regalia Gold vs Swiggy BLCK HDFC Bank Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, 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.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC Bank Regalia Gold 6521 6408 8426 3053 Valid thru 12/28 Acc CREDIT Card holder HDFC REGALIA GOLD Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Regalia Gold Top reward: 5 RP/₹200 Annual fee: ₹2,500 Min income: ₹50,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Regalia Gold HDFC Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,500	₹1,000
Fee waiver threshold	₹4,00,000/yr	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)	-₹670/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	5 RP/₹200	10%
Primary reward cap	₹15,000 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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	₹2,500	—

Stack mode (hold both)

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

HDFC Regalia Gold 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 HDFC Regalia Gold by about ₹10,750/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

HDFC Regalia Gold vs Swiggy BLCK HDFC Bank Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	Swiggy BLCK HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,500	₹1,000
Fee waiver threshold	₹4,00,000/yr	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)	-₹670/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	5 RP/₹200	10%
Primary reward cap	₹15,000 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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	₹2,500	—

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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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