BLCK Swiggy HDFC Bank Credit Card
HDFC Bank
Annual / renewal fee
₹1000 + applicable taxes (renewal fee charged from second year onwards).
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Earn rate
- 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout).
- 5% cashback on online shopping across famous merchants and select categories (Apparels, Pharmacies, Pet stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores, Local cabs).
- 1% cashback on other categories.
- Minimum transaction of ₹249 required to earn 10% cashback.
- ₹100 minimum for 5% and 1% cashback.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
BLCK Swiggy HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000 + applicable taxes.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Annual / renewal fee
₹1000 + applicable taxes (renewal fee charged from second year onwards).
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Fee waiver
- Joining fee of ₹1,000 waived on spending ₹75,000 within 90 days of card issuance (first year only).
- Annual fee from second year onwards waived on spending ₹2 Lakh and above in previous year.
VerifiedMITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Renewal fee
- ₹1000 charged from second year onwards.
- Levied within 120 days.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Rewards
- 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout).
- 5% cashback on online shopping across famous merchants and select categories (Apparels, Pharmacies, Pet stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores, Local cabs).
- 1% cashback on other categories.
- Minimum transaction of ₹249 required to earn 10% cashback.
- ₹100 minimum for 5% and 1% cashback.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM IST
Award example
- Example (billing cycle 15 Jan-14 Feb): ₹1,000 Swiggy transaction earns ₹100 (10%).
- A ₹150 Swiggy transaction earns ₹0 (below ₹249 minimum).
- ₹1,800 offline spend earns ₹18 (1%).
- ₹2,500 Nykaa online earns ₹125 (5%).
- Reversal of a ₹20,000 Croma transaction reverses ₹1,000 cashback.
- 5% cashback accrual capped at ₹1,500.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Redemption value
- Cashback earned for current billing cycle is auto-redeemed against outstanding amount (excluding finance charges).
- Rewards Redemption Fee of ₹99 per request is not applicable for BizBlack Metal / Swiggy BLCK.
- Cashback Redemption Charges of ₹50 per cashback redemption are excluded (not charged) for Swiggy BLCK HDFC Bank Credit Card (w.e.f 1st August 2024).
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Reward cap
- 10% Swiggy App cashback capped at ₹1,500 per billing cycle.
- 5% online shopping cashback capped at ₹1,500 per billing cycle.
- 1% other categories cashback capped at ₹1,000 per billing cycle.
- Statement cycle max cashback ₹4,000.
VerifiedMITC – HDFC Bank Credit Cards General (covers Swiggy BLCK)2 Aug 2026, 6:40 AM ISTHDFC Bank
Reward exclusion
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Complimentary Swiggy BLCK Membership for 3 months on card activation (existing Swiggy BLCK members get an extension of 3 months).
- Card must be activated within 37 days of card issuance.
- Benefit claimed on Swiggy app within 2-3 days of activation.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Golf benefit
- Access to golf courses worldwide and 12 free lessons per year.
- 4 complimentary rounds of green fees per calendar year.
- Discounted golf services at 50% of the green fee beyond complimentary sessions (via Mastercard offers).
VerifiedBLCK Swiggy HDFC Bank Credit Card product page2 Aug 2026, 6:40 AM ISTHDFC Bank
Insurance
- Fraud liability cover available on unauthorised Credit Card transactions if reported immediately to HDFC Bank's 24-hour Call Centre.
- Select credit card variants have complimentary insurance cover.
- Policy coverage starts from date of Credit Card set up.
VerifiedBLCK Swiggy HDFC Bank Credit Card product page2 Aug 2026, 6:40 AM ISTHDFC Bank
Milestone benefit
- Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3,000 during birthday week (7 days: 3 days before to 3 days after birthday), over and above the 10% cashback.
- Applicable once per cardholder and only after 30 days from card activation.
VerifiedTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Eligibility
Eligibility
- Card variants are issued based on income criteria plus a combination of assessment including the customer's credit profile and location.
- Swiggy HDFC Bank Credit Card is offered only under the Mastercard World platform currently.
Verifiedharvested from product page2 Aug 2026, 6:40 AM ISTHDFC Bank
Charges & interest
Forex markup
- Foreign currency transactions: 3.5% of transaction value.
- Dynamic currency conversion markup fee: 1% (w.e.f. 1st January 2023) on transactions in Indian currency at an international location or at merchants located in India but registered overseas.
VerifiedMITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Fuel surcharge waiver
Fuel surcharge waiver: Not Applicable for Swiggy BLCK HDFC Bank Credit Card.
VerifiedMITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Interest-free period
- Interest free (grace) period ranges from 20 to 50 days, subject to scheme and merchant claim submission.
- Not applicable if previous balance not cleared in full or cash withdrawn from ATM.
VerifiedMITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)2 Aug 2026, 6:40 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the BLCK Swiggy HDFC Bank Credit Card?
Officially traced: Rs. 1000 + applicable taxes (renewal fee charged from second year onwards).
Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)What is the joining fee on the BLCK Swiggy HDFC Bank Credit Card?
Officially traced: Rs. 1,000 + applicable taxes.
Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)Is the BLCK Swiggy HDFC Bank Credit Card annual fee ever waived?
Joining fee of Rs. 1,000 waived on spending Rs. 75,000 within 90 days of card issuance (first year only).
MITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)How does the BLCK Swiggy HDFC Bank Credit Card earn rewards?
10% cashback on Swiggy App (Food Delivery, Instamart, Dineout); 5% cashback on online shopping across famous merchants and select categories (Apparels, Pharmacies, Pet stores, Personal Care, Electronics, Entertainment, Travel, Discount.
Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)What welcome benefit does the BLCK Swiggy HDFC Bank Credit Card offer?
Complimentary Swiggy BLCK Membership for 3 months on card activation (existing Swiggy BLCK members get an extension of 3 months).
Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)What are the transfer ratios for BLCK Swiggy HDFC Bank Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card.
VerifiedBLCK Swiggy HDFC Bank Credit Card product page2 Aug 2026, 6:40 AM ISTHDFC Bank
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.