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AU Royale vs HDFC Swiggy BLCK

Compare AU Royale 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

HDFC Swiggy BLCK has the strongest mix of rewards and low fees in this comparison.

Card 1

AU Royale

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.5

Card 2

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0
AU Royale - AU credit card
Balanced value6.5

au / VISA

AU Royale

Annual

₹2,500

Return

3.5%

Lounges

10

Forex

2.5%

Card summary
  • AU Royale leans travel and lifestyle with ₹2,500 annual fee, 3.5% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 3.5% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

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
AU Royale
HDFC Swiggy BLCK
Fees
Annual fee
₹2,500
₹1,000
Joining fee
₹2,500
₹1,000
Rewards
Cashback rate
1%
10%
Reward rate
3.5%
4%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
6
4
International lounges
4
0
Benefits
Fuel waiver
Yes
No
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹8,00,000
₹5,00,000

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