Craydit Logo

HDFC Paytm Cashback vs HDFC Swiggy BLCK

Compare HDFC Paytm Cashback 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 leads on reward rate, while HDFC Paytm Cashback has the lowest annual fee.

Card 1

HDFC Paytm Cashback

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.5

Card 2

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0
HDFC Paytm Cashback - HDFC credit card
Balanced value4.5

hdfc / MASTERCARD

HDFC Paytm Cashback

Annual

₹500

Return

2.5%

Lounges

0

Forex

3.5%

Card summary
  • HDFC Paytm Cashback leans reward-led with ₹500 annual fee, 2.5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2.5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
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
HDFC Paytm Cashback
HDFC Swiggy BLCK
Fees
Annual fee
₹500
₹1,000
Joining fee
₹500
₹1,000
Rewards
Cashback rate
2.5%
10%
Reward rate
2%
4%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
0
4
International lounges
0
0
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹2,00,000
₹5,00,000

Top Credit Card Comparison Links

Compare more cards

Popular comparison pairs to continue exploring similar card matchups.

Axis Airtel vs HDFC Paytm CashbackRBL Zomato vs HDFC Paytm CashbackAU Tejas vs HDFC Paytm CashbackHDFC Millennia vs HDFC Paytm CashbackHSBC Cashback vs HDFC Paytm CashbackHDFC Swiggy Ornge vs HDFC Paytm CashbackHSBC Live+ vs HDFC Paytm CashbackAxis Airtel vs HDFC Swiggy BLCKHDFC Swiggy BLCK vs RBL ZomatoAU Tejas vs HDFC Swiggy BLCK