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| Feature | HDFC Bank Swiggy BLCK HDFC Bank Credit Card | Kotak Mahindra Bank Kotak Cashback+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Kotak Mahindra Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹1,000 + GST per year | ₹750 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Fuel & commute | Excluded | 3% · Fuel 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 | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed | Not listed |
| Terms verified | 21 Sept 2026 | 13 Sept 2026 |
| Best suited to | Heavy Swiggy/Instamart users who are already Swiggy BLCK members or want to be. | Households spending regularly on online groceries, food delivery, OTT or movies and fuel. |
| 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 accelerated categories share a ₹750 cashback cap per billing cycle. Utilities, insurance, education, rent and several other categories do not earn rewards. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
