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Swiggy BLCK HDFC Bank Credit Card

Premium Swiggy co-branded cashback card offering 10% cashback on eligible Swiggy spends, 5% on selected online merchants and categories, and 1% on other eligible spends.

10% SWIGGY · 5% ONLINE_SHOPPING · 1% OTHER · ₹1,000 annual fee

Last verified: 9 Sept 2026. We verify rewards, fees and key terms against issuer sources — terms can change, so confirm current details with the issuer before applying.

Card overview

Card typeCASHBACK
NetworkMastercard
StatusACTIVE
Slugswiggy-blck-hdfc-bank-credit-card

The key decode

The 10% headline rate isn't unlimited — it's capped at ₹1,500 per month. ONLINE_SHOPPING, OTHER carry their own caps too.

Rewards

  • 10%
    Cashback
    SWIGGY · Swiggy Food, Instamart, Genie, Dineout
    ₹1,500 / statement cycle cap · ₹249 minimum transaction
    ONLINE
    10% cashback applies to eligible Swiggy Food Delivery, Instamart and Dineout spends. Minimum transaction of ₹249 applies. Swiggy Money Wallet and Swiggy Liquor are excluded.
  • 5%
    Cashback
    ONLINE_SHOPPING · Swiggy, Amazon, Flipkart, Myntra, Nykaa, ClearTrip, Book My Show, Uber, Pharmeasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLiv, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, Netflix ,Book my show. Ibibo
    ₹1,500 / statement cycle cap · ₹100 minimum transaction
    ONLINE
    5% cashback applies only to HDFC-defined eligible online merchants, categories and MCCs. Do not treat this as 5% cashback on every online transaction.
  • 1%
    Cashback
    OTHER
    ₹1,000 / statement cycle cap · ₹100 minimum transaction
    1% cashback applies to other eligible spends. Excludes fuel, rent, jewellery, government spends, gaming, education, EMI and wallet transactions.

Fees

JOINING₹1,000
₹1,000 + applicable taxes.
Waiver: First-year joining fee waiver applies on ₹75,000 spend in the first 90 days.
ANNUAL₹1,000
Cash on Call, Balance Transfer and Cash Withdrawal are excluded from spend considered for the renewal fee waiver.
Waiver: Waived on annual spends of ₹2,00,000 or more before the renewal date.

What doesn't earn rewards

  • Rent & Government — Rent and government-related transactions are excluded from cashback.
  • Fuel — Fuel transactions do not earn cashback.
  • Wallet, Prepaid & Gift Cards — Wallet loads, prepaid cards and gift-card transactions do not earn cashback.
  • Jewellery — Jewellery-related transactions are excluded from cashback.
  • EMI & Card/Financial Transactions — EMI transactions, SmartPay/SmartBuy transactions, cash advances and other specified financial transactions do not earn cashback.
  • Swiggy Money / Liquor / Minis — Swiggy Money Wallet, Swiggy Liquor and excluded Swiggy categories do not qualify for the 10% Swiggy cashback.
  • Gaming & Education — Gaming and education transactions are excluded from cashback.

Don't just look at the reward rate — look at where the card refuses to pay.

Benefits

  • 3-Month Complimentary Swiggy BLCK Membership — Complimentary Swiggy BLCK membership after activating the credit card.
  • Mastercard Golf Benefits — Access to golf courses worldwide, 12 complimentary golf lessons per year and 4 complimentary green-fee rounds per calendar year. Additional eligible golf services are available at 50% of the green fee.

Eligibility

Salaried / self-employed
Age21+ up to 65
Minimum income₹1,00,000 / monthly
ResidencyIndian resident

Salaried applicants: Indian nationality, age 21–60 and net monthly income above ₹1,00,000. Self-employed applicants: Indian nationality, age 21–65 and annual ITR above ₹12 lakh. Final approval is subject to HDFC Bank's internal credit, documentation and verification criteria.