Which card has a lower forex fee: IndiGo Axis Bank Credit Card or Swiggy BLCK HDFC Bank Credit Card?

Forex markup is not fully available for both cards in the current snapshot.

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or Swiggy BLCK HDFC Bank Credit Card?

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹1,000).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. Swiggy BLCK HDFC Bank Credit Card: Lounge access not verified.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank IndiGo vs HDFC Bank Swiggy BLCK Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank Swiggy BLCK. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Swiggy BLCK HDFC Bank

Annual fee ₹1,000 Waivable at ₹2,00,000 spend
Forex markup Not specified
Domestic lounge Lounge access not verified

Reward earning explained

Per card

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

Limited data

Swiggy BLCK

1% · Up to 10% on Swiggy

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank Swiggy BLCK: ₹1,000), forex markup (3.5% vs Not specified), or lounge access (4/year (1 per quarter) vs Lounge access not verified).

Forex markup Insufficient data

Insufficient data to compare forex

Only Axis Bank IndiGo has comparable evidence here. Forex markup is 3.5%.

IndiGo: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank Swiggy BLCK conservative base value ~1% per ₹100.

IndiGo: Limited data Swiggy BLCK: Limited data

Axis Bank IndiGo

Confidence: Low (limited information available)

Verify with issuer

HDFC Bank Swiggy BLCK

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy BLCK HDFC Bank: ~₹500/month at base rate
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	Swiggy BLCK HDFC Bank
Lounge Access
Domestic lounge visits Only available for IndiGo Axis Bank	4/year (1 per quarter)	Not specified
Forex / International Use
Forex markup Swiggy BLCK HDFC Bank unclear; IndiGo Axis Bank shows 3.5% (verify).	3.5%	Not specified
Fees
Annual fee ₹799 vs ₹1,000	₹799	₹1,000
Joining fee ₹799 vs ₹1,000	₹799	₹1,000
Fee waiver spend Only available for Swiggy BLCK HDFC Bank	Not specified	₹2,00,000
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1 pt / ₹100 vs 1%	1 pt / ₹100	1%
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Swiggy BLCK HDFC Bank	Not specified	₹1

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.