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

Axis Bank My Zone Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank My Zone 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?

Swiggy BLCK HDFC Bank Credit Card has higher base reward value (~1% vs ~0.4%).

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.

Rewards HDFC Bank Swiggy BLCK

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
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

My Zone

2 pts / ₹100

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 My Zone: ₹500 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 My Zone has comparable evidence here. Forex markup is 3.5%.

My Zone: 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 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%.

Axis Bank My Zone

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
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Swiggy BLCK HDFC Bank
Lounge Access
Domestic lounge visits Only available for My Zone	4/year (1 per quarter)	Not specified
Forex / International Use
Forex markup Swiggy BLCK HDFC Bank unclear; My Zone shows 3.5% (verify).	3.5%	Not specified
Fees
Annual fee ₹500 vs ₹1,000	₹500	₹1,000
Joining fee ₹500 vs ₹1,000	₹500	₹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. 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value ~0.4% vs ~1%	~0.4%	~1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1	₹0.2	₹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.