1% · Up to 10% on Swiggy
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HDFC Bank Swiggy BLCK vs ICICI Bank Coral RuPay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Swiggy BLCK and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Swiggy BLCK for rewards.
Pick Coral RuPay for upi.
Head-to-head
Three core metrics- Annual fee Coral RuPay saves ₹500/yrSwiggy BLCK ₹1,000 Waivable at ₹2,00,000 spendCoral RuPay ₹500 Waivable at ₹1,50,000 spend
- Forex markup Swiggy BLCK 3.5%Coral RuPay 3.5%
- Domestic lounge Swiggy BLCK Lounge access not verifiedCoral RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card2 pts / ₹100
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Swiggy BLCK: ₹1,000 vs ICICI Bank Coral RuPay: ₹500), forex markup (3.5% vs 3.5%), or lounge access (Lounge access not verified vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
No verified lounge entitlement or explicit no-lounge evidence on file. Domestic lounge access is 1 per quarter.
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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 ICICI Bank Coral RuPay's ~0.5%.
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upi ICICI Bank Coral RuPay wins ICICI Bank Coral RuPay is better for UPI usage
ICICI Bank Coral RuPay is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Swiggy BLCK HDFC Bank: ~₹500/month at base rate
- Coral RuPay: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Swiggy BLCK HDFC Bank | Coral RuPay ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for Coral RuPay | Not specified | 4/year (1 per quarter) |
| International lounge visits Only available for Coral RuPay | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹500 | ₹1,000 | ₹500 |
| Annual-fee waiver ₹2,00,000 vs ₹1,50,000 | ₹2,00,000 | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate Only available for Coral RuPay | Not specified | 3.75% / month |
| Late-payment charge | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | No surcharge waiver | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 2 pts / ₹100 | 1% | 2 pts / ₹100 |
| Conservative base value ~1% vs ~0.5% | ~1% | ~0.5% |
| Earn ceiling ₹1,000 per statement cycle vs Eligible spend capped at ₹20,000 per statement cycle | ₹1,000 per statement cycle | Eligible spend capped at ₹20,000 per statement cycle |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity Only available for Swiggy BLCK HDFC Bank | 2 years | Not specified |
Notes
- ICICI Bank Coral RuPay Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank Swiggy BLCK
Verify with issuer , opens external siteICICI Bank Coral RuPay
Verify with issuer , opens external site