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Amex Membership Rewards vs HDFC Swiggy BLCK

Compare Amex Membership Rewards vs HDFC Swiggy BLCK across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Amex Membership Rewards leads on reward rate, while HDFC Swiggy BLCK has the lowest annual fee.

Card 1

Amex Membership Rewards

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.7

Card 2

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0
Amex Membership Rewards
Balanced value5.7

amex / AMEX

Amex Membership Rewards

Annual

₹4,500

Return

4.5%

Lounges

2

Forex

3.5%

Card summary
  • Amex Membership Rewards leans reward-led with ₹4,500 annual fee, 4.5% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,500 annual fee.
  • 4.5% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Swiggy BLCK - HDFC credit card
Balanced value10.0

hdfc / VISA

HDFC Swiggy BLCK

Annual

₹1,000

Return

10%

Lounges

4

Forex

3.5%

Card summary
  • HDFC Swiggy BLCK leans cashback-first with ₹1,000 annual fee, 10% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 10% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Amex Membership Rewards
HDFC Swiggy BLCK
Fees
Annual fee
₹4,500
₹1,000
Joining fee
₹1,000
₹1,000
Rewards
Cashback rate
0.75%
10%
Reward rate
4.5%
4%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
2
4
International lounges
0
0
Benefits
Fuel waiver
No
No
Dining
Yes
Yes
Movies
No
Yes
Eligibility
Minimum income
₹6,00,000
₹5,00,000

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