Swiggy BLCK HDFC Credit Card: Benefits, Fees & Cashback

10%Cashback on Swiggy

5%On Top Online Brands

1.5%On All Other Spends

3 MoFree BLCK Membership

About Swiggy BLCK HDFC Bank Credit Card

The Swiggy BLCK HDFC Bank Credit Card is a premium co-branded credit card jointly launched by Swiggy and HDFC Bank, designed specifically for food lovers, frequent online shoppers, and Swiggy power users. It offers one of India's highest cashback rates on food delivery, Instamart, and Dineout bookings — making it a must-have card for anyone who uses Swiggy regularly.

The Swiggy BLCK HDFC Bank Credit Card is the premium tier of Swiggy's co-branded card lineup (the other being the Swiggy Ornge HDFC Card). "BLCK" is designed for high spenders who want maximum rewards on Swiggy and online platforms. Cardholders get 10% cashback on all Swiggy services — food delivery, Instamart grocery delivery, and Dineout restaurant reservations — along with a complimentary Swiggy BLCK membership for 3 months on card activation.

Beyond Swiggy, the card delivers 5% cashback on a curated list of top online brands including Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, and Cult.fit. All other eligible transactions earn a flat 1.5% cashback, making this a solid everyday card for digital-first consumers.

🍔

Who is this card for? The Swiggy BLCK HDFC Bank Credit Card is ideal for urban millennials and working professionals who spend ₹3,000+ monthly on Swiggy, regularly shop from online brands, and want a premium co-branded card that rewards their digital lifestyle comprehensively.

Cashback & Rewards Program

The Swiggy BLCK HDFC Bank Credit Card offers a tiered cashback structure that maximises value for Swiggy users while rewarding all digital spending:

🍕

10%

On Swiggy

10% cashback on food delivery, Instamart, and Dineout transactions via the Swiggy app

🛍️

On Top Online Brands

Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, Cult.fit & more

💳

1.5%

On All Other Spends

Flat 1.5% cashback on all other eligible transactions — utility bills, dining, grocery, etc.

Cashback Capping & Key Conditions

Category	Cashback Rate	Monthly Cap	Notes
Swiggy (Food + Instamart + Dineout)	10%	₹1,500/month	Only via Swiggy app transactions
Top Online Brands	5%	₹1,500/month	Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, Cult.fit
All Other Eligible Spends	1.5%	₹500/month	Excludes fuel, wallet load, EMI, jewellery
Fuel Transactions	0%	—	Not eligible for cashback
Cash Withdrawals	0%	—	Not eligible for cashback

⚠️

Important: Cashback is credited as statement credit, typically within 3–5 working days of the billing cycle closing. Maximum combined monthly cashback is capped at ₹3,500/month (₹1,500 + ₹1,500 + ₹500). Cashback is not earned on fuel, EMI conversions, cash advances, wallet loads, and select government transactions.

Earn Up to ₹3,500 Cashback Every Month!

Apply for the Swiggy BLCK HDFC Bank Credit Card in minutes. Free eligibility check — no CIBIL impact. Expert advisory included.

Apply for Free → ✉ Ask Expert

Features & Benefits of Swiggy BLCK HDFC Credit Card

Beyond the cashback programme, the Swiggy BLCK HDFC Bank Credit Card packs several premium features that enhance its overall value proposition:

🏷️

Complimentary Swiggy BLCK Membership

Get 3 months of free Swiggy BLCK membership on card activation — worth ₹599/month. BLCK members get zero surge pricing, faster delivery, and exclusive offers on all Swiggy services.

💰

Direct Cashback — No Points Complexity

Unlike point-based cards, all cashback is credited directly as statement credit. No redemption portal, no expiry, no minimum threshold — pure, straightforward cashback.

✈️

Travel Benefits via Cleartrip

5% cashback on Cleartrip bookings — flights, hotels, and holiday packages. Ideal for those who want both food and travel rewards on a single card.

🎬

Entertainment & Wellness Cashback

5% cashback on BookMyShow for movies and events, and on Cult.fit for fitness subscriptions — covering your complete lifestyle spending in one card.

🛡️

Zero Liability Fraud Cover

Complete protection against unauthorized transactions reported within 7 days of discovery. Instant card block via HDFC Mobile Banking app, SMS, or 24×7 helpline.

📱

Contactless & Digital Payments

NFC-enabled contactless payments at all tap-and-go terminals. Fully compatible with Google Pay, Apple Pay, and Samsung Pay for seamless digital transactions.

💳

EMI on Large Purchases

Convert any purchase above ₹5,000 into easy 3–24 month EMIs via the HDFC MyCards app or net banking. No-cost EMI available at select partner merchants.

⚡

Add-On Cards Available

Extend Swiggy BLCK benefits to your family with add-on credit cards. Add-on cardholders earn cashback on their spending, which accumulates to your primary statement credit.

Welcome Benefits on Swiggy BLCK HDFC Credit Card

On joining and card activation, you receive the following welcome gifts:

Welcome Benefit	Value	Condition
Swiggy BLCK Membership	3 months free (worth ~₹1,797)	On card activation within 30 days of issuance
Welcome Cashback on First Transaction	As per standard cashback rate	On the first eligible transaction within 30 days

ℹ️

About Swiggy BLCK Membership: The complimentary Swiggy BLCK membership (3 months) includes zero surge pricing on all Swiggy food delivery orders, priority customer support, exclusive BLCK-only deals, faster delivery times, and special discounts on Instamart. After the complimentary period, you can renew at ₹599/month or ₹999 for 3 months.

Swiggy BLCK HDFC Credit Card Fees & Charges

Here is a complete breakdown of all fees and charges applicable on the Swiggy BLCK HDFC Bank Credit Card:

Fee / Charge	Amount	Notes
Joining Fee	₹1,000 + GST	One-time fee on card issuance
Annual Renewal Fee	₹1,000 + GST	Charged from 2nd year onwards; waiver conditions may apply
Finance Charges (Interest)	3.6% per month (43.2% p.a.)	On revolving unpaid balance from statement date
Late Payment Fee	₹100 – ₹1,300	Slab-based on total outstanding amount
Cash Advance Fee	2.5% or ₹500 (higher)	Interest from day of withdrawal; no grace period
Foreign Transaction Fee	3.5% + GST	Applicable on all international purchases
Over-Limit Charge	2.5% of over-limit amount	Minimum ₹500 per billing cycle
Fuel Surcharge	1% of fuel transaction	Waiver up to ₹250/month on fuel ≥ ₹400
Card Replacement Fee	₹100 – ₹250	For damaged, lost, or stolen card
GST on All Charges	18%	Applicable on all fees and finance charges

⚠️

Pay in Full, Always: HDFC Bank charges 3.6% per month (43.2% annually) on unpaid balances. Even paying ₹1 less than the full outstanding triggers interest on the ENTIRE balance. Always pay 100% of your Swiggy BLCK card bill by the due date to maximise your cashback savings.

Ready to Start Saving on Swiggy?

Get 10% cashback on every Swiggy order + 3 months free BLCK membership. Apply in 2 minutes — 100% online, zero advisory fees.

Check Eligibility Free → ✉ Contact Expert

Eligibility Criteria for Swiggy BLCK HDFC Credit Card

To apply for the Swiggy BLCK HDFC Bank Credit Card, you must meet these standard eligibility criteria:

Age: 21 – 60 Years

Primary cardholder must be 21–60 years old. Add-on cardholders can be from 18 years. Self-employed applicants eligible up to 65 years.

Minimum Income: ₹25,000+/month

Salaried: minimum ₹25,000/month. Self-employed professionals: ₹5L+ annual ITR. Existing HDFC account holders may qualify with lower income.

CIBIL Score: 720+

Minimum CIBIL score of 720 recommended for this card. HDFC Bank evaluates both score and repayment history for final credit decision.

Residency: Indian Citizen

Indian residents are eligible. Must have a valid Indian address proof and PAN card. Minimum 1 year at current address is preferred.

Employment: Salaried or Self-employed

Both salaried employees and self-employed professionals/business owners can apply. Employment stability of 1+ year is preferred by HDFC Bank.

HDFC Account Holders — Priority

Existing HDFC Bank savings, salary, or fixed deposit account holders receive priority approval and may receive pre-approved offers with minimal documentation.

Documents Required to Apply

Keep these documents handy for a quick, paperless application. HDFC Bank supports full Aadhaar OTP-based eKYC for eligible applicants:

Document Type	Accepted Options
Identity Proof (KYC – Mandatory)	PAN Card (must), Aadhaar Card, Passport, Voter ID
Address Proof	Aadhaar Card, Passport, Voter ID, Latest utility bill (3 months), Registered rent agreement
Income Proof – Salaried	Last 3 months' salary slips, Latest Form 16, Last 6 months' bank statement
Income Proof – Self-employed	Latest 2 years' ITR, Business proof (GST / trade licence), Last 6 months' bank statement
Photograph	Recent passport-size photo (digital via Aadhaar eKYC for most applications)

How to Apply for Swiggy BLCK HDFC Credit Card at MyBankingTips

Applying through MyBankingTips is the fastest way to get the Swiggy BLCK HDFC Card. Our process is fully digital, free, and takes under 3 minutes:

Click "Apply Now" on this Page

Click the Apply Now button and you'll be directed to our partner portal to start your application. The process is completely online and paperless.

Free Eligibility Check (No CIBIL Impact)

Enter basic details — income, employment type, and city — for an instant soft enquiry eligibility check. This has zero impact on your CIBIL score.

Complete the HDFC Application Form

Fill in your personal details (name, DOB, PAN, address) and employment/income information on the secure HDFC Bank application portal. Takes under 5 minutes.

Upload Documents via Aadhaar eKYC

Upload or complete Aadhaar OTP-based eKYC. Alternatively, upload PAN, Aadhaar, salary slips, and bank statement directly. All uploads are encrypted.

Instant In-Principle Approval

HDFC Bank evaluates your application in real-time. Most eligible applicants — especially existing HDFC account holders — receive in-principle approval within minutes.

Get Your Card + Activate Swiggy BLCK

Physical card arrives in 7–10 working days. An instant virtual card may be issued via HDFC MyCards app. Activate your card and claim your 3-month free Swiggy BLCK membership immediately.

💡

HDFC Account Holders: Check the HDFC MyCards or HDFC Mobile Banking app → "Pre-approved Offers" for the Swiggy BLCK HDFC Card. Pre-approved offers require minimal documentation and can be approved within minutes with instant virtual card issuance.

Swiggy BLCK HDFC Card vs Similar Cards

How does the Swiggy BLCK HDFC Bank Credit Card compare to other popular food and cashback credit cards in India?

Feature	Swiggy BLCK HDFC	Swiggy Ornge HDFC	Amazon Pay ICICI	Axis ACE
Annual Fee	₹1,000	₹500	₹0 Free	₹499
Swiggy CB	10%	3%	2%	4%
Online Shopping CB	5%	2%	5% Amazon	2% all
All Other CB	1.5%	1%	1%	2%
Monthly CB Cap	₹3,500	₹1,500	No cap	₹1,000
BLCK Membership	✓ 3 months free	✗	✗	✗
Lounge Access	✗	✗	✗	✓ 4/year
Cashback Type	Statement Credit	Statement Credit	Amazon Pay CB	Statement Credit

*Cashback rates and limits subject to change. Verify with respective banks before applying.

💡

Our Verdict: If you spend ₹3,000+ monthly on Swiggy, the Swiggy BLCK HDFC Card is unmatched. At ₹1,000/year, the 10% Swiggy cashback alone can recover the annual fee in just 3 months of regular Swiggy usage (at ₹3,000/month). Add the 3-month free BLCK membership worth ~₹1,797, and the first-year value far exceeds the joining fee.

Pros & Cons of Swiggy BLCK HDFC Bank Credit Card

✅ Pros

✓10% cashback on Swiggy — highest for any food delivery card in India
✓Complimentary Swiggy BLCK membership worth ₹1,797 on joining
✓5% cashback on 8+ top online brands including Amazon and Flipkart
✓Direct statement credit cashback — no points expiry, no complex redemption
✓Reasonable ₹1,000 annual fee with potential for strong first-year value
✓Backed by HDFC Bank — India's #1 card issuer with strong support

❌ Cons

✗No airport lounge access — a gap for travellers compared to Axis ACE
✗Monthly cashback cap of ₹3,500 limits value for very high spenders
✗5% category cashback limited to only 8 specific online brands
✗HDFC's 3.6%/month interest rate is high if balance is carried forward
✗No reward on fuel, cash withdrawals, EMI transactions, or wallet loads

Frequently Asked Questions

What is the Swiggy BLCK HDFC Bank Credit Card?

The Swiggy BLCK HDFC Bank Credit Card is a premium co-branded credit card by Swiggy and HDFC Bank. It offers 10% cashback on all Swiggy spends (food delivery, Instamart, Dineout), 5% cashback on 8+ top online brands, 1.5% on all other spends, and a complimentary Swiggy BLCK membership for 3 months on activation. Annual fee is ₹1,000 + GST.

What is Swiggy BLCK Membership and what does the free 3-month membership include?

Swiggy BLCK is Swiggy's premium subscription service. With the free 3-month membership (on card activation), you get: zero surge pricing on food delivery, faster priority delivery, exclusive BLCK member deals and discounts, priority customer support, and special offers on Instamart and Dineout. After 3 months, it renews at ₹599/month or ₹999/3 months if you choose to continue.

Is there a monthly cap on the 10% Swiggy cashback?

Yes. The 10% cashback on Swiggy is capped at ₹1,500 per month, meaning the maximum qualifying Swiggy spend for this rate is ₹15,000/month. Similarly, the 5% online brand cashback is capped at ₹1,500/month, and the 1.5% all-spends cashback at ₹500/month. Total maximum combined cashback is ₹3,500/month or ₹42,000/year.

Which online brands earn 5% cashback on this card?

The 5% cashback applies on direct transactions at: Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, and Cult.fit. This covers online shopping, fashion, beauty, travel booking, entertainment, and fitness — all in one card. Purchases through intermediaries or aggregators may not qualify; always pay directly on the brand's own platform or app.

How is the cashback credited and when do I receive it?

All cashback on the Swiggy BLCK HDFC Card is credited directly as a statement credit, not as reward points. The cashback is typically credited within 90 days of the transaction (usually at the end of the billing cycle or within the next one). There is no minimum redemption threshold and cashback does not expire — it automatically reduces your outstanding balance.

What is the annual fee and can it be waived?

The joining fee and annual renewal fee are both ₹1,000 + GST (18%). Check with HDFC Bank directly for current spend-based fee waiver conditions — some versions of this card offer annual fee reversal on reaching a minimum annual spend threshold. The 3-month Swiggy BLCK membership alone (~₹1,797 value) more than offsets the first-year joining fee if used actively.

What is the minimum salary required for this card?

The Swiggy BLCK HDFC Bank Credit Card requires a minimum monthly salary of approximately ₹25,000 for salaried applicants. Self-employed individuals need to show an annual ITR of ₹5 lakhs or more. Existing HDFC Bank salary or savings account holders may be eligible with a lower income threshold through pre-approved offers.

Frequently Asked Questions

Swiggy BLCK is the premium version of the Swiggy Ornge Credit Card. BLCK offers 10% cashback on Swiggy spends, while Ornge offers 5%. BLCK also comes with a complimentary Swiggy BLCK membership for 3 months, whereas Ornge offers a 12-month Swiggy One membership. Both cards provide 1% base cashback and complimentary golf benefits.

Salaried applicants aged between 21 and 60 years with a minimum monthly income of Rs. 1 Lakh can apply. Self-employed individuals aged between 21 and 65 years must have an annual ITR of more than Rs. 12 Lakh.

Yes, apart from Swiggy benefits, the card also offers 5% cashback on popular online brands like Amazon, Flipkart, Myntra, Nykaa, Cleartrip, and BookMyShow, making it a good option for regular online shoppers.

The card comes with a joining fee and annual fee of Rs. 1,000 each. However, the joining fee is reversed on spending Rs. 75,000 within the first 90 days, and the annual fee is waived on annual spends of Rs. 2 Lakh.

The card offers 10% cashback on Swiggy spends, 5% cashback on eligible online brands like Amazon, Flipkart, Myntra, Nykaa, and Cleartrip, and 1% cashback on other eligible transactions. Cardholders also get additional discounts on Nykaa and Cleartrip over and above the cashback benefits.

Yes, cardholders can get up to 19% discount on Cleartrip hotel bookings, up to 6% savings on travel bookings via Cleartrip, and 5% discount on Nykaa purchases. The card also offers special birthday dining discounts through Swiggy Dineout.

Yes, the card offers complimentary golf benefits under the Mastercard Golf Program, including 12 free golf lessons, 4 complimentary green fee visits every year, and 50% discount on additional green fees.

Swiggy BLCK HDFC Bank Credit Card

About Swiggy BLCK HDFC Bank Credit Card