Swiggy BLCK HDFC Bank Credit Card

Joining fee

₹1,000 to join.₹1,000 + Applicable Charges

Renewal fee

₹1,000 a year.₹1,000 + Applicable Charges

Fee waiver rule

Fee waived if you spend ₹2,00,000.

Add-on card fee

₹0

Welcome benefit

Free 3-month Swiggy BLCK membership.

Reward rate

1% cashback · everyday spends1% CashBack on other categories.

Fuel earning

Cashback earned using Swiggy BLCK Swiggy HDFC Bank Credit card will not be accrued on fuel transactions.

Groceries earning

10% CashBack on Swiggy application (Food ordering, Instamart & Dineout)

Online earning

5% CashBack on select online merchants.

Reward exclusions

Education related transactions will not earn Reward Points /CashPoints on Swiggy BLCK HDFC Bank Credit Card.

Reward caps

Maximum cashback that can be earned in a statement cycle is 4000

Cashback redemption

CashBack is automatically credited to your card account as statement credit after it is earned, subject to the CashBack cycle and applicable terms

Statement-credit redemption

Cashback earned for current billing cycle will be auto redeemed against outstanding amount due.

Golf

4 complimentary rounds of green fees per calendar year.

Minimum spend rules

Minimum transaction of ₹249 to earn 10% CashBack on Swiggy; minimum ₹100 for 5% and 1% CashBack

Surcharge on railway tickets

Railway Ticket Purchase Fee: 1% + GST

Lost card liability

Zero liability on fraudulent transactions if loss reported immediately to 24-hour call centre.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Convert high-value transactions into SmartEMI with ease after purchase.

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

Transaction fee of 2.5% or ₹500 whichever is higher would be levied on the amount withdrawn.

Cash advance interest

3.75% Monthly, 45.0% Annually (excluding GST)

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

Finance charges 3.75% monthly, 45.0% annually (excluding GST)

Interest-free period

Up to 50 days interest-free period

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions; Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Income requirement

Salaried: Net Monthly Income: > ₹1,00,000; Self-Employed: Annual ITR > ₹12 lakh per annum.

Income, salaried

Net Monthly Income > ₹1,00,000.

Income, self-employed

Annual ITR > ₹12 lakh per annum.

Minimum age

Salaried: Min 21 years & Max 60 Years; Self-Employed: Min 21 years & Max 65 Years.

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Nationality: Indian