Swiggy BLCK HDFC Bank Credit Card
A Swiggy co-branded cashback card: 10% on the Swiggy app (up to ₹1,500 a cycle), 5% at listed online merchants such as Amazon, Flipkart and Myntra (up to ₹1,500), 1% elsewhere (up to ₹1,000), credited against the statement; ₹1,000 fee. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹1,000 plus GST Product page |
|---|---|
| Annual fee | ₹1,000 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The first-year fee of ₹1,000 is also waived on ₹75,000 of spend in the first 90 days. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Swiggy app: food, Instamart and Dineout (₹249 minimum) | 10% cashback Product page | up to ₹1,500 a statement cycle Terms |
| Listed online merchants including Amazon, Flipkart and Myntra | 5% cashback Product page | up to ₹1,500 a statement cycle Terms |
| Other categories | 1% cashback Product page | up to ₹1,000 a statement cycle Terms |
Cashback is credited automatically against the statement balance each billing cycle.
The 5% list also covers named brands such as Nykaa, Cleartrip, BookMyShow, Uber, Croma and travel portals, and select apparel, pharmacy, electronics and travel MCCs online; only the three named shopping categories are modelled. Cashback is capped at ₹4,000 a statement cycle in all.
No rewards on
- Fuel, rent, jewellery, government spends, gaming, education, EMI, gift cards and wallet loads Terms
Benefits
- Lounges: none on record
- Welcome: 3-month Swiggy BLCK membership on card activation Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 5% cashback on listed brands such as Nykaa, Cleartrip, BookMyShow, Uber and Croma Terms
- 4 complimentary golf green-fee rounds a year and 12 free lessons (Mastercard golf programme) Product page
- Birthday week: extra 10% off on Swiggy Dineout, up to ₹500 Terms
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: net monthly income above ₹1 lakh Product page
- Self-employed: income tax return above ₹12 lakh a year Product page
Not published by HDFC Bank in the documents read
- the foreign-currency markup (not on the product page or card terms; the MITC fee table does not tie a figure to this card in quotable text)
- a fuel surcharge waiver
- lounge access
- a RuPay variant for UPI
Where HDFC Bank’s documents differ, and what is used
- Network: the BLCK terms say "Swiggy HDFC Bank Credit Card is offered only under Mastercard World platform currently" (the older card's name) and the product page offers the Mastercard World golf programme; Mastercard is recorded.
The quotes behind the figures
32 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee / Renewal Membership Fee: ₹1,000 + Applicable Charges”
“Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off”
“10% CashBack* on Swiggy application (Food ordering, Instamart & Dineout ).”
“*Capping of Rs. 1500 per billing cycle is applicable for 10% Cashback Categories with Swiggy BLCK HDFC Bank Credit Card”
“To earn 10% CashBack using Swiggy BLCK HDFC Bank Credit Card, the cardholder should make a minimum transaction of ₹249 using the card.”
“5% CashBack* on online spends across select online Merchants.”
“*Capping of Rs.1500 per billing per cycle is applicable on eligible 5% Cashback categories with Swiggy BLCK HDFC Bank Credit Card.”
“Amazon, Flipkart, Myntra, Nykaa, ClearTrip, Book My Show, Uber, Pharmeasy, Croma, Vijay Sales, Reliance”
“Only select merchants mapped under the MCCs listed in Table 2.1are eligible for 5% Cashback.”
“To earn 5% and 1% CashBack using Swiggy BLCK HDFC Bank Credit Card, the cardholder should make a minimum transaction of ₹100 using the card.”
“1% CashBack* on other categories.”
“*Capping of Rs. 1000 per billing cycle is applicable for 1% Cashback Categories with Swiggy BLCK HDFC Bank Credit Card”
“Cashback will not be accrued for the following transactions using Swiggy BLCK HDFC Bank Credit Card Prepaid Card/Gift Card/Wallet Rent Government related transactions Gaming Education Fuel Jewellery Smartpay Smartbuy portal EMI (all type)”
“Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gaming and Education, EMI & Wallet”
“Link : Mastercard World Card India Golf Program | Priceless Specials”
“Annual fee of INR 1000+ applicable taxes is charged once to enjoy the benefits of Swiggy BLCK HDFC Bank Credit Card.”
“Joining Fee of ₹1,000 will be waived on spending ₹75,000 in the first 90 days. (Applicable for first Year only).”
“Exclusions for 10% Cashback Category Swiggy Money Wallet Swiggy Liquor Any other category decided later (if any)”
“For Swiggy BLCK HDFC Bank Credit Card the maximum cashback that can be earned in a statement cycle is 4000”
“Cashback earned for current billing cycle will be auto redeemed against outstanding amount due.”
“Access to golf courses worldwide and 12 free lessons per year.”
“Complimentary Swiggy BLCK membership for 3 months as a welcome benefit.*”
“Get 4 complimentary rounds of green fees per calendar year.”
“Additional 10% discount on Swiggy Dineout upto Rs.500 on minimum order value of Rs. 3000.”
“Popular Swiggy BLCK HDFC Bank Credit Card”
“Age: Min 21 years & Max 60 Years”
“Age :Min 21 years & Max 65 Years”
“Nationality: Indian”
“Net Monthly Income: > ₹1,00,000”
“Annual ITR > ₹12 lakh per annum”
“Joining fee waived on spends of ₹75,000 in 90 days of card issuance* TnCs Apply Apply Now”
“Swiggy HDFC Bank Credit Card is offered only under Mastercard World platform currently.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology