Swiggy BLCK HDFC Bank Credit Card
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.
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForCo-brand rewards
- Reward TypeCashback
- 10% on swiggy app (cap 1500 cashback inr / statement)
- 5% on online select (cap 1500 cashback inr / statement)
- Base 1.00% on other spends
- Complimentary Swiggy BLCK membership for 3 months
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
Online shopping — earns base; accelerated rate needs 100% of this bucket qualifies
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
Dining & food delivery — earns base; accelerated rate needs booking via swiggy
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹4,920 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn worth ≈10.0% on swiggy app.
- 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.