HDFC Bank
Swiggy BLCK HDFC Bank Credit Card
Data last verified: 11 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate1% on most spends; 10% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
Swiggy BLCK is the higher tier of the Swiggy HDFC card. Swiggy food orders, Instamart and Dineout earn 10% back, select online stores such as Amazon, Flipkart and Myntra earn 5%, and other spends earn 1%. The 10% and 5% each have a monthly cap.
The fee is ₹1,000 a year, waived when you spend ₹2 lakh in the year.
It suits heavy Swiggy and Instamart users who also shop online. Check the monthly caps: once they are reached, the rate drops to the base.
Best for: Heavy Swiggy and Instamart users, Regular online shoppers.
01Swiggy BLCK HDFC Bank Credit Card Rewards and Benefits
02Swiggy BLCK HDFC Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining only at Swiggy app, Food, Instamart, Dineout: 10% back, up to ₹1,500 a month
- Online shopping only at Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs and other select online: 5% back, up to ₹1,500 a month
- Spending ₹16,667 or more a month: the ₹1,180 fee is waived
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Swiggy app, Food, Instamart, Dineout: the 10% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- 10% back on Swiggy, Instamart and Dineout (capped monthly)
- 5% on select online stores (capped monthly)
- 1% on other spends
- Fee waived on ₹2 lakh a year
05Pros and Cons
Pros
- Very high return on Swiggy
- Good rate on major online stores
Cons
- Monthly caps on the 10% and 5% rates
- 3.5% markup on foreign spends
06How Swiggy BLCK HDFC Bank Credit Card earns Rewards
1% on most spends; 10% only at partner merchants. The normal rate is capped at ₹1,000 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | ₹1,500, shared with other bonus rates | Only at: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs and other select onlineTerms: 5% cashback on select online merchants (min ₹100, the Ornge's floor is ₹249), capped ₹1,500 a month in its OWN cell, not shared with the Swiggy 5%. Cleartrip and Nykaa stack instant discounts on top. |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 10% | ₹1,500 | Only at: Swiggy app, Food, Instamart, DineoutTerms: 10% cashback on Swiggy app (min ₹249), capped ₹1,500 a month. Swiggy Money Wallet and Swiggy Liquor are excluded, and earning is keyed to Swiggy's MIDs/TIDs. Genie does not earn on this card. |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on all other categories, capped ₹1,000 a month; credited as statement credit
07Swiggy BLCK HDFC Bank Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. golf privileges.
- Golf privileges: Mastercard golf, reportedly 12 lessons and 4 green-fee rounds a year, then 50% off green fees. HDFC does not list this benefit in the card's own terms or its MITC, so treat it as unconfirmed until the bank publishes it.
08Swiggy BLCK HDFC Bank Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹1,00,000
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 12 Mar 2026 | Changed: Swiggy BLCK launched as the premium tier of the split Swiggy HDFC cardSource: HDFC Bank | Single Swiggy HDFC Bank Credit Card (₹500) | Swiggy BLCK (₹1,000, premium) + Swiggy Ornge (₹500, entry) |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to Swiggy BLCK HDFC Bank Credit Card
Swiggy BLCK HDFC Bank Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Swiggy BLCK HDFC Bank Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 1% on most spends; 10% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Swiggy BLCK HDFC Bank Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
How much cashback does Swiggy BLCK give?
10% on Swiggy, Instamart and Dineout, 5% on select online stores and 1% elsewhere, with monthly caps.
What is the annual fee?
₹1,000, waived when you spend ₹2 lakh in a year.
What is the joining fee for the Swiggy BLCK HDFC Bank Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Swiggy BLCK HDFC Bank Credit Card?
The annual fee is ₹1,000 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
