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BLCK Swiggy HDFC Bank Credit Card

BLCK Swiggy HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-08-02
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Fees & welcome

Joining fee

₹1,000 + applicable taxes.

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Annual / renewal fee

₹1000 + applicable taxes (renewal fee charged from second year onwards).

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

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.

Verified · MITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

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.

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Earn rates

  • 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.

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Fees & charges

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  • Not applicable if previous balance not cleared in full or cash withdrawn from ATM.

Verified · MITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Fuel

Fuel surcharge waiver

Fuel surcharge waiver: Not Applicable for Swiggy BLCK HDFC Bank Credit Card.

Verified · MITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Rewards

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.

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

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.

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

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).

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

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.

Verified · MITC – HDFC Bank Credit Cards General (covers Swiggy BLCK) · 2026-08-02 · source

Reward exclusion

Prepaid Card/Gift Card/WalletRentGovernment related transactionsGamingEducationFuelJewellerySmartpaySmartbuy portalEMI (all types)Cash advancesPurchase of travellers' chequesPurchase of foreign currency and feesand any other categories decided from time to time. 10% Swiggy category excludes Swiggy Money Wallet and Swiggy Liquor

Verified · Terms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026) · 2026-08-02 · source

Travel & lifestyle

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).

Verified · BLCK Swiggy HDFC Bank Credit Card product page · 2026-08-02 · source

Protection

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.

Verified · BLCK Swiggy HDFC Bank Credit Card product page · 2026-08-02 · source

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.

Verified · harvested from product page · 2026-08-02 · source

Official terms

Official terms

https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card.

Verified · BLCK Swiggy HDFC Bank Credit Card product page · 2026-08-02 · source

Official sources

Official issuer pageTerms & Conditions – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)harvested from product pageMITC (Most Important Terms & Conditions) – Swiggy BLCK HDFC Bank Credit Card (04-Mar-2026)MITC – HDFC Bank Credit Cards General (covers Swiggy BLCK)

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.

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