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HDFC Swiggy BLCK vs ICICI Amazon Pay

Compare HDFC Swiggy BLCK vs ICICI Amazon Pay 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 ICICI Amazon Pay 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

ICICI Amazon Pay

Monthly spenders who want visible cashback without chasing complex reward conversions.8.0
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
ICICI Amazon Pay
No-fee value8.0

icici / VISA

ICICI Amazon Pay

Annual

₹0

Return

5%

Lounges

0

Forex

1.99%

Card summary
  • ICICI Amazon Pay leans cashback-first with ₹0 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • 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
ICICI Amazon Pay
Fees
Annual fee
₹1,000
₹0
Joining fee
₹1,000
₹0
Rewards
Cashback rate
10%
5%
Reward rate
4%
1%
Travel
Forex markup
3.5%
1.99%
Domestic lounges
4
0
International lounges
0
0
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹2,50,000

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