Swiggy BLCK HDFC Bank Credit Card
Updated 3 Jul 2026Source-linked
The Swiggy BLCK HDFC Bank Credit Card is a premium co-branded credit card from HDFC Bank and Swiggy, with a joining fee of ₹1,000 + GST.
It earns up to 10% on Swiggy spends in the form of cashback.
Welcome benefit: Complimentary Swiggy BLCK membership for 3 months.
Swiggy BLCK HDFC Bank Credit Card
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForCo-brand rewards
- Reward TypeCashback
Rewards Rate
- 10% on swiggy app (cap 1500 cashback inr / statement)
- 5% on online select (cap 1500 cashback inr / statement)
- Base 1.00% on other spends
Welcome Benefits
- Complimentary Swiggy BLCK membership for 3 months
Rewards and Benefits
Rewards Rate
10% on swiggy app (cap 1500 cashback inr / statement)
5% on online select (cap 1500 cashback inr / statement)
Base 1.00% on other spends.
Reward Redemption
HDFC CashBack: CashBack auto-credited as statement credit, subject to the CashBack cycle.
Welcome Benefits
Complimentary Swiggy BLCK membership for 3 months
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A
Product Details
- Co-branded premium card by HDFC Bank and Swiggy.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹2,00,000.
- Available on the Mastercard network.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn worth ≈10.0% on swiggy app.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Welcome benefit
- Complimentary Swiggy BLCK membership for 3 monthsCard activationWindow: 37 days from issuance.
Accelerated rewards
- 10% on swiggy app (cap 1500 cashback inr / statement)10% CashBack on Swiggy app spends (Food ordering, Instamart, Dineout).
- 5% on online select (cap 1500 cashback inr / statement)5% CashBack on eligible online MCCs (Table 2.1: Apparels, Pharmacies, Pet Stores, Personal Care, Local Cabs (Ola/Zoom/Uber), Electronics (Reliance Retail/Vijay Sales/Croma), Travel (Paytm Travel/EaseMyTrip/Ixigo/Yatra/Ibibo)). Only select merchants mapped under these MCCs qualify.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- —
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.
Salaried: age 21-60, net monthly income > ₹1,00,000 (~₹12L p.a.). Self-employed: age 21-65, Annual ITR > ₹12 lakh p.a.