HDFC Swiggy BLCK vs Axis SuperMoney

Compare HDFC Swiggy BLCK vs Axis SuperMoney 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 Axis SuperMoney has the lowest annual fee.

Card 1

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

Axis SuperMoney

Monthly spenders who want visible cashback without chasing complex reward conversions.5.2

Balanced value10.0

hdfc / VISA

HDFC Swiggy BLCK

Annual

₹1,000

Return

10%

Lounges

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

No-fee value5.2

axis / RUPAY

Axis SuperMoney

Annual

₹0

Return

Lounges

Forex

3.5%

Card summary

Axis SuperMoney leans cashback-first with ₹0 annual fee, 3% headline return potential, and 0 lounge access.

Pros

No annual fee improves first-year and renewal value.
3% 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

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

Value profile

Low ownership cost with upside from recurring spends.

Full card details

Metric

HDFC Swiggy BLCK

Axis SuperMoney

Fees

Annual fee

₹1,000

₹0

Joining fee

₹1,000

₹0

Rewards

Cashback rate

10%

Reward rate

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹5,00,000

₹30,000

HDFC Swiggy BLCK vs Axis SuperMoney

Futuristic side-by-side card intelligence

HDFC Swiggy BLCK

Axis SuperMoney

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