Swiggy BLCK HDFC Bank Credit Card
The Swiggy BLCK HDFC Bank Credit Card is HDFC and Swiggy's premium co-branded cashback card.
Cashback Fit Score
96/100
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
1 – 10
Statement credit
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
4/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Swiggy BLCK HDFC Bank Credit Card Benefits
Swiggy BLCK HDFC Bank Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 10%
Earn rate
₹4,000
Monthly cap
₹4,000
Monthly cap
Swiggy BLCK HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Swiggy BLCK HDFC Bank Credit Card has a joining fee of ₹1,000 and an annual fee of ₹1,000.
Joining fee of ₹1,000 waived on ₹75,000 spend within 90 days of card issuance (first year only). Renewal fee waived on ₹2,00,000 annual spend, excluding Cash on Call, Balance Transfer and Cash Withdrawal. Minimum transaction ₹249 for 10% cashback, ₹100 for 5% and 1%. Eligibility: salaried age 21–60 with net monthly income above ₹1,00,000; self-employed age 21–65 with ITR above ₹12 lakh a year.
Swiggy BLCK HDFC Bank Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Prepaid card, gift card and wallet loads
- Rent
- Government related transactions
- Gaming
- Education
- Fuel
- Jewellery
- SmartPay and SmartBuy portal
- EMI (all types)
- Cash advances and travellers' cheques
- Purchase of foreign currency and fees
- Swiggy Money Wallet and Swiggy Liquor (for the 10% category)
- No complimentary domestic or international airport lounge access
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Swiggy BLCK HDFC Bank Credit Card FAQs
What is the annual fee for Swiggy BLCK HDFC Bank Credit Card?
The annual fee for Swiggy BLCK HDFC Bank Credit Card is ₹1,000.
What is the joining fee for Swiggy BLCK HDFC Bank Credit Card?
The one-time joining fee for Swiggy BLCK HDFC Bank Credit Card is ₹1,000.
What are the rewards and benefits of Swiggy BLCK HDFC Bank Credit Card?
Swiggy BLCK HDFC Bank Credit Card earns direct cashback rewards credited to your statement. Reward rate ranges from 1% to 10%.
What lounge access benefits does Swiggy BLCK HDFC Bank Credit Card provide?
Swiggy BLCK HDFC Bank Credit Card does not include complimentary airport lounge access.
What is the eligibility criteria for Swiggy BLCK HDFC Bank Credit Card?
To be eligible for Swiggy BLCK HDFC Bank Credit Card, you need a minimum monthly income of ₹1,00,000.
What welcome and milestone benefits does the Swiggy BLCK HDFC Bank Credit Card offer?
Complimentary 3-month Swiggy BLCK membership on card activation.
How do you earn rewards with the Swiggy BLCK HDFC Bank Credit Card?
10% cashback on the Swiggy app (food ordering, Instamart and Dineout), capped at ₹1,500 per billing cycle. 5% cashback on select online merchants and categories, capped at ₹1,500 per billing cycle. 1% cashback on other eligible spends, capped at ₹1,000 per billing cycle.
What discounts and extra perks come with the Swiggy BLCK HDFC Bank Credit Card?
4 complimentary golf green-fee rounds a year and 12 free lessons under the Mastercard golf programme.
What are the exclusions and limits on the Swiggy BLCK HDFC Bank Credit Card?
The Swiggy BLCK HDFC Bank Credit Card does not earn rewards on rent, government related transactions, gaming, education, fuel, jewellery, SmartPay and SmartBuy portal, EMI (all types), cash advances and travellers' cheques and purchase of foreign currency and fees. Prepaid card, gift card and wallet loads. Swiggy Money Wallet and Swiggy Liquor (for the 10% category). No complimentary domestic or international airport lounge access.
Is the Swiggy BLCK HDFC Bank Credit Card worth its annual fee?
The annual fee is ₹1,000. At the 1% base reward rate, rewards alone cover the fee at about ₹1,00,000 of yearly spend. Spends in bonus categories earn up to 10% and get there sooner, within their caps.
Swiggy BLCK HDFC Bank Credit Card Eligibility
To apply for Swiggy BLCK HDFC Bank Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹1,00,000.
Employment type
Pros & Cons
- 10% cashback on Swiggy food ordering, Instamart and Dineout
- 5% cashback on select online merchants including Amazon, Flipkart, Myntra, Nykaa, Uber and BookMyShow
- Cashback auto-redeemed against the card outstanding, no wallet to manage
- Joining fee waived on ₹75,000 spend in the first 90 days
- Complimentary 3-month Swiggy BLCK membership
- 10% cashback capped at ₹1,500 per billing cycle
- Minimum transaction of ₹249 to earn the 10% cashback
- High eligibility bar: ₹1 lakh net monthly income for salaried applicants
- No cashback on fuel, rent, wallet loads, EMI, government, education, jewellery or gaming spends
- No complimentary domestic or international airport lounge access
Who is this card for?
People who spend regularly on Swiggy food delivery, Instamart and Dineout, up to about ₹15,000 a month (where the 10% cap is reached), and who meet the eligibility of ₹1 lakh net monthly income for salaried applicants.
Quick Links
Data last updated 17 Oct 2026
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