2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
Compare 3+ cards →
Axis Bank My Zone vs HDFC Bank Swiggy BLCK Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank Swiggy BLCK. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Swiggy BLCK for rewards.
Head-to-head
Three core metrics- Annual fee My Zone saves ₹500/yrMy Zone ₹500 Annual-fee waiver not offeredSwiggy BLCK ₹1,000 Waivable at ₹2,00,000 spend
- Forex markup My Zone 3.5%Swiggy BLCK 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsSwiggy BLCK Lounge access not verified
Reward earning explained
Per card1% · Up to 10% on Swiggy
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HDFC Bank Swiggy BLCK: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
-
Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
-
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 HDFC Bank Swiggy BLCK wins HDFC Bank Swiggy BLCK is better for rewards
HDFC Bank Swiggy BLCK is stronger here. HDFC Bank Swiggy BLCK conservative base value ~1% vs Axis Bank My Zone's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Swiggy BLCK HDFC Bank: ~₹500/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | Swiggy BLCK HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for My Zone | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,000 | ₹500 | ₹1,000 |
| Annual-fee waiver Not offered vs ₹2,00,000 | Not offered | ₹2,00,000 |
| Monthly interest rate Only available for My Zone | 3.75% / month | Not specified |
| Late-payment charge Only available for Swiggy BLCK HDFC Bank | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs No surcharge waiver | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | No surcharge waiver |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 2 EDGE Reward Points / ₹100 vs 1% | 2 EDGE Reward Points / ₹100 | 1% |
| Conservative base value ~0.4% vs ~1% | ~0.4% | ~1% |
| Earn ceiling Not stated vs ₹1,000 per statement cycle | Not stated | ₹1,000 per statement cycle |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1 | ₹0.2 | ₹1 |
| Point validity Only available for Swiggy BLCK HDFC Bank | Not specified | 2 years |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank My Zone
Verify with issuer , opens external siteHDFC Bank Swiggy BLCK
Verify with issuer , opens external site