Swiggy BLCK HDFC Bank Credit Card
- Updated On: 26 May, 2026
Online food delivery and grocery shopping have quickly become a part of everyday life. The Swiggy BLCK HDFC Bank Credit Card is designed to reward users who frequently spend on food, groceries, and dining through the Swiggy platform. The card offers strong cashback benefits on Swiggy transactions along with additional perks, including a complimentary 3-month Swiggy BLCK membership, which unlocks benefits such as free express delivery, priority customer support, on-time delivery guarantees, and more.
The Swiggy BLCK HDFC Bank Credit Card is a straightforward cashback credit card that offers up to 10% cashback on Swiggy spends. Cardholders can also earn 5% cashback on online shopping across categories such as apparel, pharmacies, pet stores, personal care, electronics, entertainment, travel, discount stores, and local cabs, with a cashback cap of ₹1,500 per billing cycle.
For users who regularly spend on Swiggy or make frequent online purchases, this card can be a rewarding option. Interestingly, the card also comes with golf benefits through Mastercard, adding an extra lifestyle perk to an otherwise food-focused cashback card.
Swiggy BLCK HDFC Bank Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month; 1% Cashback On Other Spends – Up To ₹1,000/Month (Exclusions Apply)
Welcome Benefits
3 Month Swiggy BLCK Membership
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month; 1% Cashback On Other Spends – Up To ₹1,000/Month (Exclusions Apply)
Reward Redemption
Cashback Against Credit Card Statement
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,000 Joining Fee (Waived On ₹75,000 Spend Within 90 Days); ₹1,000 Annual Fee From Second Year (Waived On ₹2 Lakh Annual Spend).
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5% + GST
Interest Rates
3.75% Per Month or 45% Per Annum
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500, Whichever is Higher
Product Details
- The Swiggy BLCK HDFC Bank Credit Card is the more premium co-branded offering from HDFC Bank and Swiggy. The card offers up to 10% cashback on Swiggy spends, capped at ₹1,500 per billing cycle.
- Cardholders can also earn 5% cashback on online shopping across categories such as apparel, pharmacies, pet stores, personal care, electronics, entertainment, travel, discount stores, and local cabs, with a cashback cap of ₹1,500 per billing cycle.
- This card is best suited for users who frequently spend on food, dining, groceries, and other services on Swiggy.
- Additionally, cardholders can enjoy complimentary golf games, lessons, and discounts on golf services through Mastercard offers.
Pros/Cons
Pros
- The joining fee for this card can be waived by spending ₹75,000 within the first 90 days of card issuance, effectively making it first year free for those who can meet this spending requirement.
- Although this card is primarily focused on food and dining spends, it also offers complimentary golf games and lessons through Mastercard benefits.
Cons
- 10% cashback on Swiggy spends is capped at ₹1,500 per billing cycle, and orders below ₹249 are not eligible for cashback, which may be restrictive for smaller food orders.
Complimentary Swiggy BLCK Membership
Eligible Swiggy BLCK HDFC Bank Credit Cardholders will receive a complimentary 3-month Swiggy BLCK membership upon card activation. For customers who already have a Swiggy BLCK membership, the existing membership will be extended by an additional 3 months.
If a cardholder currently has a Swiggy One membership, it will be cancelled, and the applicable refund will be issued. The customer can then claim and activate the Swiggy BLCK membership.
Earn Up to 10% Cashback
- 10% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up to ₹1,500 per billing cycle
- 5% Cashback on Online Shopping across categories like Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores, and Local Cabs – Up to ₹1,500 per billing cycle
- 1% Cashback on Other Spends – Up to ₹1,000 per billing cycle
- Additional Partner Offers: Cleartrip – 5% Cashback + 6% Instant Discount on Flights + 19% Instant Discount on Hotels; Nykaa – 5% Cashback + 5% Instant Discount
Exclusions
- Prepaid Card, Gift Card, And Wallet Loads
- Rent Payments
- Government-Related Transactions
- Gaming Transactions
- Education Payments
- Fuel Purchases
- Jewellery Purchases
- SmartPay Transactions
- SmartBuy Portal Transactions
- EMI Transactions (All Types)
- Cash Advances And Purchase Of Traveller’s Cheques
- Purchase Of Foreign Currency And Related Fees
Birthday Offer – Additional 10% Discount
Cardholders can enjoy an additional 10% discount on Swiggy Dineout, capped at ₹500, on a minimum transaction value of ₹3,000. This benefit is over and above the regular 10% cashback offered on Swiggy Dineout transactions when payments are made using the card, making it a rewarding option for dining experiences.
This special birthday offer is valid for a 7-day window, which includes 3 days before and 3 days after the cardholder’s birthday. The birthday considered for this benefit will be the date recorded with the bank at the time of card application.
Bottom Line
The Swiggy BLCK HDFC Bank Credit Card comes at a reasonable fee of ₹1,000 and offers 10% cashback on Swiggy spends, 5% cashback on online spends at select merchants, and 1% cashback on other eligible transactions. The cashback structure is simple and easy to understand, making the card quite rewarding considering its annual fee.
While the cashback benefits are attractive, it is important to note that Swiggy spends have a cashback cap of ₹1,500 per billing cycle. Additionally, to earn the 10% cashback, the transaction value must be ₹249 or more. Transactions below this amount will not be eligible for the 10% cashback.
For those looking for additional lifestyle perks, the card also offers golf benefits through Mastercard. Cardholders can book complimentary golf lessons or games by contacting the Mastercard concierge service.
FAQs:
What is the cashback offered on the Swiggy BLCK HDFC Bank Credit Card?
The card offers 10% cashback on Swiggy app spends such as Food Delivery, Instamart, and Dineout (capped at ₹1,500 per billing cycle). It also provides 5% cashback on select online categories and 1% cashback on other eligible spends.
What is the annual fee for the Swiggy BLCK HDFC Bank Credit Card?
The card comes with a ₹1,000 + GST joining fee and annual fee. The joining fee can be waived by spending ₹75,000 within the first 90 days, and the annual fee can be waived on ₹2 lakh annual spending.
Does the Swiggy BLCK HDFC Bank Credit Card offer any welcome benefits?
Yes, cardholders receive a complimentary 3-month Swiggy BLCK membership upon card activation, which offers benefits such as free express delivery, priority customer support, and exclusive discounts.
Does the Swiggy BLCK HDFC Bank Credit Card offer airport lounge access?
No, the Swiggy BLCK HDFC Bank Credit Card does not provide airport lounge access. The card focuses mainly on cashback benefits on Swiggy and online spends rather than travel perks.
Are there any additional lifestyle benefits with this card?
Yes, the card provides complimentary golf lessons, free rounds of golf, and discounts on golf services through Mastercard benefits.
Who should apply for the Swiggy BLCK HDFC Bank Credit Card?
This card is best suited for people who frequently order food, groceries, or dine out using the Swiggy app, as well as users who make regular online purchases and want cashback rewards.
2 comments
Gunasekaran Rajagopalan
small correction meeting that initial 90-day spend target does not make the card lifetime free. It only waives the fee for the first year. To waive the ₹1,000 annual renewal fee from the second year onward, you must spend at least ₹2,00,000 annually.
Kartik Kanwar
Absolutely Correct.