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

Swiggy BLCK HDFC Bank Credit Card vs RBL Bank Icon Credit Card

Honest side-by-side comparison of Swiggy BLCK HDFC Bank Credit Card, RBL Bank Icon 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

RBL Bank Icon Credit Card

RBL Bank

Your adjusted comparison

Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	RBL Bank Icon 6521 232 3596 4075 Valid thru 12/28 Acc CREDIT Card holder RBL BANK ICON CREDIT C Customer service RBL Bank · 1800-XXX-XXXX Authorized signature CVV••• RBL Bank Icon Credit Card Top reward: 2X points/₹150 Annual fee: ₹5,000 Min income: ₹50,000/mo Property of RBL Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back RBL Bank Icon Credit Card RBL Bank
Fees & eligibility
Annual fee	₹1,000	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	-₹5,780/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 × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate	10%	2X points/₹150
Primary reward cap	₹1,500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
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 →RBL Bank Icon 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 RBL Bank Icon Credit Card by about ₹15,860/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 RBL Bank Icon Credit Card comparison table
Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	RBL Bank Icon Credit Card RBL Bank
Fees & eligibility
Annual fee	₹1,000	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	-₹5,780/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 × ₹0.25/pt = ₹10/mo (₹120/yr)
Top reward rate	10%	2X points/₹150
Primary reward cap	₹1,500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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