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| Feature | HDFC Bank Swiggy BLCK HDFC Bank Credit Card | HSBC India HSBC Live+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | HSBC India |
| Network | Visa | Visa |
| Annual fee | ₹1,000 + GST per year | ₹999 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 1% | 1.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 1% · Other eligible cashback | 10% · Dining, grocery, shopping and utility cashback |
| Dining & delivery | 1% · Eligible Swiggy cashback | 10% · Dining, grocery, shopping and utility cashback |
| Groceries & essentials | 1% · Eligible Swiggy cashback | 10% · Dining, grocery, shopping and utility cashback |
| Online shopping | 1% · Listed online merchant cashback | 10% · Dining, grocery, shopping and utility cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | 10% Swiggy cashback: ₹1,500/statement cycle · 5% listed-online cashback: ₹1,500/statement cycle · 1% other-spend cashback: ₹1,000/statement cycle | 10% accelerated cashback: ₹1,200/month |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | 2 domestic airport lounge visits per year • 1 international airport lounge visit per year |
| Forex markup | 3.5% | 2.0% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed | Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed |
| Terms verified | 21 Sept 2026 | 21 Sept 2026 |
| Best suited to | Heavy Swiggy/Instamart users who are already Swiggy BLCK members or want to be. | Households spending steadily across dining, groceries and utilities who also want occasional lounge access. |
| Main trade-off | The 10%, 5% and 1% buckets have separate caps and exclusions. The engine applies an accelerator only when the merchant or route is known. | The 10% rate is capped monthly, so once you cross the cap the effective blended rate drops toward the 1.5% base for the rest of the cycle. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
