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Kotak Myntra vs HDFC Swiggy BLCK

Compare Kotak Myntra 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 Kotak Myntra has the lowest annual fee.

Card 1

Kotak Myntra

Monthly spenders who want visible cashback without chasing complex reward conversions.8.0

Card 2

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0
Kotak Myntra Credit Card
Balanced value8.0

kotak / MASTERCARD

Kotak Myntra

Annual

₹499

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • Kotak Myntra leans cashback-first with ₹499 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 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

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
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
Kotak Myntra
HDFC Swiggy BLCK
Fees
Annual fee
₹499
₹1,000
Joining fee
₹499
₹1,000
Rewards
Cashback rate
5%
10%
Reward rate
3%
4%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
0
4
International lounges
0
0
Benefits
Fuel waiver
No
No
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹2,00,000
₹5,00,000

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