- Joining fee
₹1,000 + GST
- Annual fee
₹1,000 + GST
- Best suited for
Dining, Food
- Reward type
Cashback
Rewards
- 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
- Reward redemption
Cashback Against Credit Card Statement
Benefits
- Golf
12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
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).
- Foreign currency markup
3.5% + GST
- Interest rates
3.75% Per Month or 45% Per Annum
- Cash advance charges
2.5% or ₹500, Whichever is Higher
Product highlights
- 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.
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.