Which card has the lower annual fee?

HSBC Cashback Credit Card has the lowest annual fee at ₹999.

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

Swiggy BLCK HDFC Bank Credit Card vs HSBC Cashback Credit Card

Honest side-by-side comparison of Swiggy BLCK HDFC Bank Credit Card, HSBC Cashback 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

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Card 2

HSBC Cashback Credit Card

HSBC

Your adjusted comparison

Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	HSBC Cashback 6521 2712 5714 1589 Valid thru 12/28 Acc CREDIT Card holder HSBC CASHBACK CREDIT C Customer service HSBC · 1800-XXX-XXXX Authorized signature CVV••• HSBC Cashback Credit Card Top reward: 10% Annual fee: ₹999 Min income: ₹40,000/mo Property of HSBC. If found, return to nearest branch. Not valid unless signed. Tap to flip back HSBC Cashback Credit Card HSBC
Fees & eligibility
Annual fee	₹1,000	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹6,291/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	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo
Top reward rate	10%	10%
Primary reward cap	₹1,500 rewards/mo cap	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

Swiggy BLCK HDFC Bank Credit Card details →HSBC Cashback 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 HSBC Cashback Credit Card by about ₹3,789/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

Swiggy BLCK HDFC Bank Credit Card vs HSBC Cashback Credit Card comparison table
Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	HSBC Cashback Credit Card HSBC
Fees & eligibility
Annual fee	₹1,000	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹6,291/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	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo
Top reward rate	10%	10%
Primary reward cap	₹1,500 rewards/mo cap	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: HSBC Cashback Credit Card has the lowest annual fee at ₹999.
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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