Which card has the lower annual fee?

YES ACE Credit Card has the lowest annual fee at ₹499.

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 YES ACE Credit Card

Honest side-by-side comparison of Swiggy BLCK HDFC Bank Credit Card, YES ACE 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

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	YES Bank ACE 6521 6212 6151 5018 Valid thru 12/28 Acc CREDIT Card holder YES ACE CREDIT CARD Customer service YES Bank · 1800-XXX-XXXX Authorized signature CVV••• YES ACE Credit Card Top reward: 4% cashback Annual fee: ₹499 Min income: ₹25,000/mo Property of YES Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹3,401/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	—
Fuel	—	₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate	10%	4% cashback
Primary reward cap	₹1,500 rewards/mo cap	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹10,976/yr combined NAV (₹896 vs best solo). Both annual fees apply.

Swiggy BLCK HDFC Bank Credit Card details →YES ACE 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 YES ACE Credit Card by about ₹6,679/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 YES ACE Credit Card comparison table
Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹3,401/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	—
Fuel	—	₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate	10%	4% cashback
Primary reward cap	₹1,500 rewards/mo cap	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: YES ACE Credit Card has the lowest annual fee at ₹499.
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

More Swiggy BLCK HDFC Bank Credit Card comparisons