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Swiggy BLCK HDFC Bank Credit Card vs Amazon Pay ICICI Bank

Verified 8 sources

Your monthly spend

Swiggy BLCK HDFC Bank Credit Card and Amazon Pay ICICI Bank are ₹400 a year apart at ₹30,000 a month: ₹3,400 against ₹3,000, after fees

Swiggy BLCK HDFC Bank Credit Card beats Amazon Pay ICICI Bank by ₹900 a year at ₹75,000 a month: ₹8,500 against ₹7,600, after fees

Amazon Pay ICICI Bank beats Swiggy BLCK HDFC Bank Credit Card by ₹3,100 a year at ₹1.5 lakh a month: ₹15,100 against ₹12,000, after fees

Amazon Pay ICICI Bank beats Swiggy BLCK HDFC Bank Credit Card by ₹18,200 a year at ₹3 lakh a month: ₹30,200 against ₹12,000, after fees

Amazon Pay ICICI Bank beats Swiggy BLCK HDFC Bank Credit Card by ₹38,400 a year at ₹5 lakh a month: ₹50,400 against ₹12,000, after fees

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Swiggy BLCK HDFC Bank Credit Card

Our verdict: Keep

Amazon Pay ICICI Bank credit card

ICICI Bank

Amazon Pay ICICI Bank

Our verdict: Keep Invite only

Amazon Pay ICICI Bank vs Swiggy BLCK HDFC Bank Credit Card: which should you pick?

The food-delivery card against the free Amazon card. The original Swiggy HDFC card is closed and its holders move to Swiggy Ornge or BLCK, so this is the fight now: Swiggy BLCK pays 10% on Swiggy and 5% at a named list of online merchants, each under its own ₹1,500 cap a billing cycle, over a 1% base capped at ₹1,000; Amazon Pay ICICI pays 5% on Amazon.in for Prime members and 1% almost everywhere else, uncapped, as Amazon Pay balance. Swiggy BLCK wins under ₹1.25L a month; Amazon Pay ICICI takes over from ₹1.25L, once BLCK's caps bind. ₹1,000 waived at ₹2,00,000 of spend against lifetime free, 3.5% abroad against 1.99%, and neither opens a lounge — though ICICI calls the Amazon card an invite-only programme.

Below ₹1.25 lakh a month Swiggy BLCK HDFC Bank Credit Card is the better card; from ₹1.25 lakh up, Amazon Pay ICICI Bank takes over, and by ₹5 lakh a month it is ₹38,400 a year ahead. At ₹75,000 a month the gap is mostly what each card earns on your spend: Swiggy BLCK HDFC Bank Credit Card returns ₹8,500 a year in rewards to Amazon Pay ICICI Bank's ₹7,600. Amazon Pay ICICI Bank is the better pick if you spend abroad: its forex markup is 2.0% against 3.5% on Swiggy BLCK HDFC Bank Credit Card, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Amazon Pay ICICI Bank costs ₹0 — lifetime free, Swiggy BLCK HDFC Bank Credit Card ₹1,000/yr.

Swiggy BLCK HDFC Bank Credit Card's ongoing earn stops at ₹1,00,000 of spend a month, where Amazon Pay ICICI Bank's doesn't.

Swiggy BLCK HDFC Bank Credit Card review Amazon Pay ICICI Bank review

Side by side

Swiggy BLCK HDFC Bank Credit Card and Amazon Pay ICICI Bank, fact by fact
FactSwiggy BLCK HDFC Bank Credit CardAmazon Pay ICICI Bank
Can you get itOpen to apply✓ BetterBy invitation only
Fee (joining · annual, + GST)₹1,000/yr₹0 — lifetime free✓ Better
Fee waiverSpend ₹2,00,000 a yearNone
Reward rate on everyday spend1.0%1.0%
PointsStatement cashback (₹)Amazon Pay balance
Our value per point₹1.00 †₹1.00
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.5% + GST1.99% + GST✓ Better
Welcome benefitComplimentary Swiggy BLCK membership for 3 months, released on card activation (activate within 37 days of issuance and claim it in the Swiggy app); an existing Swiggy One membership is cancelled and refunded so the BLCK one can be claimednot published

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Amazon Pay ICICI Bank is ahead on 6 of the 9 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactSwiggy BLCK HDFC Bank Credit CardAmazon Pay ICICI Bank
Our rank#228Not ranked (invite-only)
Our verdictKeepKeep
Lounge visits in IndiaNone — not among the variants the MITC's "Lounge Access" section namesNone
Lounge visits abroadNone — the MITC names other variants in its international lounge clauseNone
Forex, in the bank’s words3.5% + GST1.99% + GST — named as exception 4 to ICICI's 3.50% standard in the master MITC
Interest (APR)3.75%/mo (45%/yr)3.75%/mo (45%/yr)
Income needed (salaried)₹1,00,000+/month net₹20,000+/month (product page eligibility panel)
Income needed (self-employed)not published₹30,000+/month (product page eligibility panel)

† Swiggy BLCK HDFC Bank Credit Card: The unit is the rupee. HDFC's own FAQ: "CashBack is automatically credited to your card account as statement credit after it is earned", and the T&C auto-redeems it against the outstanding balance — no points, no catalogue, and no redemption request for HDFC's ₹50 cashback-redemption fee to attach to. The numbers that govern this card are the three billing-cycle ceilings: ₹1,500 on the 10% Swiggy leg, a SEPARATE ₹1,500 on the 5% online leg, and ₹1,000 on the 1% leg.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendSwiggy BLCK HDFC Bank Credit CardAmazon Pay ICICI Bank
At ₹30,000 a month₹3,400✓ Better₹3,000
At ₹75,000 a month₹8,500✓ Better₹7,600
At ₹1.5 lakh a month₹12,000₹15,100✓ Better
At ₹3 lakh a month₹12,000₹30,200✓ Better
At ₹5 lakh a month₹12,000₹50,400✓ Better
Pays for itself from₹9,000 a monthThe first rupee✓ Better

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Swiggy BLCK HDFC Bank Credit Card and Amazon Pay ICICI Bank at each ₹25,000 step
Monthly spendSwiggy BLCK HDFC Bank Credit CardAmazon Pay ICICI BankAhead
₹25,000₹2,800✓ Better₹2,500Swiggy BLCK HDFC Bank Credit Card by ₹300
₹50,000₹5,600✓ Better₹5,000Swiggy BLCK HDFC Bank Credit Card by ₹600
₹75,000₹8,500✓ Better₹7,600Swiggy BLCK HDFC Bank Credit Card by ₹900
₹1 lakh₹11,300✓ Better₹10,100Swiggy BLCK HDFC Bank Credit Card by ₹1,200
₹1.25 lakh₹12,000₹12,600✓ BetterAmazon Pay ICICI Bank by ₹600
₹1.5 lakh₹12,000₹15,100✓ BetterAmazon Pay ICICI Bank by ₹3,100
₹1.75 lakh₹12,000₹17,600✓ BetterAmazon Pay ICICI Bank by ₹5,600
₹2 lakh₹12,000₹20,200✓ BetterAmazon Pay ICICI Bank by ₹8,200
₹2.25 lakh₹12,000₹22,700✓ BetterAmazon Pay ICICI Bank by ₹10,700
₹2.5 lakh₹12,000₹25,200✓ BetterAmazon Pay ICICI Bank by ₹13,200
₹2.75 lakh₹12,000₹27,700✓ BetterAmazon Pay ICICI Bank by ₹15,700
₹3 lakh₹12,000₹30,200✓ BetterAmazon Pay ICICI Bank by ₹18,200
₹3.25 lakh₹12,000₹32,800✓ BetterAmazon Pay ICICI Bank by ₹20,800
₹3.5 lakh₹12,000₹35,300✓ BetterAmazon Pay ICICI Bank by ₹23,300
₹3.75 lakh₹12,000₹37,800✓ BetterAmazon Pay ICICI Bank by ₹25,800
₹4 lakh₹12,000₹40,300✓ BetterAmazon Pay ICICI Bank by ₹28,300
₹4.25 lakh₹12,000₹42,800✓ BetterAmazon Pay ICICI Bank by ₹30,800
₹4.5 lakh₹12,000₹45,400✓ BetterAmazon Pay ICICI Bank by ₹33,400
₹4.75 lakh₹12,000₹47,900✓ BetterAmazon Pay ICICI Bank by ₹35,900
₹5 lakh₹12,000₹50,400✓ BetterAmazon Pay ICICI Bank by ₹38,400
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

Swiggy BLCK HDFC Bank Credit Card's Statement cashback (₹) cannot be moved to any airline or hotel; Amazon Pay ICICI Bank's Amazon Pay balance cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Swiggy BLCK HDFC Bank Credit Card

  • Each accelerated leg caps at ₹1,500 of cashback a billing cycle: the 10% dies at ₹15,000 of Swiggy spend a month and the 5% at ₹30,000 of online spend
  • The 1% leg has its own separate ceiling of ₹1,000 a billing cycle
  • HDFC's own value chart prices this card at 4.00%, on ₹40,000 a month of spend — the 10% headline is not the rate you get

6 more on its page

Amazon Pay ICICI Bank

  • International spends have earned ZERO rewards since 11 Oct 2025 — the T&C says so, the product page does not
  • No lounge access of any kind, domestic or international
  • Amazon Pay balance is a closed wallet: no transfers, no airline, no cash-out

4 more on its page

Common questions 5 answered

Which is better, Swiggy BLCK HDFC Bank Credit Card or Amazon Pay ICICI Bank?

Below ₹1.25 lakh a month Swiggy BLCK HDFC Bank Credit Card is the better card; from ₹1.25 lakh up, Amazon Pay ICICI Bank takes over, and by ₹5 lakh a month it is ₹38,400 a year ahead. At ₹75,000 a month the gap is mostly what each card earns on your spend: Swiggy BLCK HDFC Bank Credit Card returns ₹8,500 a year in rewards to Amazon Pay ICICI Bank's ₹7,600. Amazon Pay ICICI Bank is the better pick if you spend abroad: its forex markup is 2.0% against 3.5% on Swiggy BLCK HDFC Bank Credit Card, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Amazon Pay ICICI Bank costs ₹0 — lifetime free, Swiggy BLCK HDFC Bank Credit Card ₹1,000/yr.

Swiggy BLCK HDFC Bank Credit Card or Amazon Pay ICICI Bank: which is worth more at ₹3 lakh a month?

Amazon Pay ICICI Bank beats Swiggy BLCK HDFC Bank Credit Card by ₹18,200 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Swiggy BLCK HDFC Bank Credit Card or Amazon Pay ICICI Bank?

Amazon Pay ICICI Bank: ₹0 — lifetime free against ₹1,000/yr. Swiggy BLCK HDFC Bank Credit Card waives its fee if you spend ₹2,00,000 a year; Amazon Pay ICICI Bank has no fee waiver.

Which gets you into more airport lounges, Swiggy BLCK HDFC Bank Credit Card or Amazon Pay ICICI Bank?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

Swiggy BLCK HDFC Bank Credit Card was last checked against its bank's own documents on 24 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Swiggy BLCK HDFC Bank Credit Card was last checked against its bank's own documents on 24 Oct 2026, Amazon Pay ICICI Bank on 18 Oct 2026. Every fact above comes from these 8 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 8 sources
  1. Official Swiggy BLCK product page — the ₹1,000 combined joining/renewal fee, the ₹75,000 first-year and ₹2,00,000 renewal waivers, and HDFC's value chart pricing it at 4.00% read
  2. Official Terms and Conditions — Swiggy BLCK HDFC Bank Credit Card, published 22 May 2026: the SEPARATE ₹1,500 caps on the 10% and 5% legs, and the ₹1,000 cap on the 1% leg read
  3. Official HDFC Bank Most Important Terms and Conditions, version 4.15 dated October 2026 — the ₹1,000 fee row, both waivers, and the statement-credit rule read
  4. Official HDFC's Swiggy card-migration FAQ — old Swiggy cardholders land on Ornge unless they opt for BLCK, which keeps its ₹1,000 annual fee read
  5. Official ICICI's credit-card charges notice — 2% on skill-based gaming and 1% on wallet loads of ₹5,000+ from 15 Jan 2026; 1% on transportation spends past ₹50,000 from 1 Feb 2026 read
  6. Official Product page — no joining fee, no annual fee, 1.99% forex mark-up, and 5%/3%/2%/1% rewards credited as Amazon Pay balance read
  7. Official Card T&C (last updated 12 Oct 2026), cl. XXIV — rewards credit to Amazon Pay balance, and international transactions have earned nothing since 11 Oct 2025 read
  8. Official MITC (re-issued October 2026) — Nil joining, Nil annual, Nil add-on; 1.99% forex named as exception 4 to the 3.50% standard read

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