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 SBI Card PRIME

Honest side-by-side comparison of Swiggy BLCK HDFC Bank Credit Card, SBI Card PRIME — 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

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	SBI Card PRIME 6521 7272 5159 3769 Valid thru 12/28 Acc CREDIT Card holder SBI CARD PRIME Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI Card PRIME Top reward: 5X reward points Annual fee: ₹2,999 Min income: ₹45,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹1,000	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	-₹2,339/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 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate	10%	5X reward points
Primary reward cap	₹1,500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

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 →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads SBI Card PRIME by about ₹12,419/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 SBI Card PRIME comparison table
Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹1,000	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	-₹2,339/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 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate	10%	5X reward points
Primary reward cap	₹1,500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

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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