HDFC Bank
Swiggy BLCK
The Swiggy BLCK HDFC Bank Credit Card is a co-branded card built for frequent Swiggy users — whether for food delivery, Instamart grocery orders, or Dineout dining. It offers 10% cashback on all Swiggy spends (capped at ₹1,500 per month, on a minimum transaction of ₹249), along with a complimentary 3-month Swiggy BLCK membership as a welcome benefit.
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Data last updated 6 June 2026.
At a Glance
Annual Fee
₹1,000
Joining Fee
₹1,000
Fee Waiver
Spend ₹2,00,000 annually
Lounge Access
N/A
Forex Markup
3.5%
Effective Yield
1% – 10%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Swiggy BLCK HDFC Bank Credit Card is a co-branded card built for frequent Swiggy users — whether for food delivery, Instamart grocery orders, or Dineout dining. It offers 10% cashback on all Swiggy spends (capped at ₹1,500 per month, on a minimum transaction of ₹249), along with a complimentary 3-month Swiggy BLCK membership as a welcome benefit.
Beyond Swiggy, the card earns 5% cashback on a wide range of online spends across partner merchants — including Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, and BookMyShow — and 1% cashback on all other eligible spends. Nykaa and Cleartrip also come with additional instant discounts on top of the 5% cashback: up to 19% off on hotel bookings and 6% on flights via Cleartrip, and 5% instant discount on Nykaa.
Rounding out its lifestyle appeal, the card offers golf benefits through the Mastercard Golf Program — 12 complimentary golf lessons and 4 free green fees annually, with a 50% discount on additional green fee sessions. For a card at a ₹1,000 annual fee, this makes it a surprisingly well-rounded lifestyle card for both Swiggy enthusiasts and casual golfers.
What We Like
The Swiggy BLCK HDFC Bank Credit Card is a strong pick for anyone who regularly uses Swiggy — whether for food delivery, Instamart grocery runs, or Dineout dining. The 10% cashback on all Swiggy spends, paired with a complimentary 3-month Swiggy BLCK membership on joining, delivers immediate and tangible value from day one. Add to this 5% cashback on a broad range of online categories — Amazon, Flipkart, Myntra, Nykaa, Cleartrip, and more — and the card pulls its weight well beyond just Swiggy orders. For a ₹1,000 annual fee, the combination of food, grocery, shopping, travel, and lifestyle benefits makes it easy to justify.
Pros
- ✓Complimentary 3-month Swiggy BLCK membership on card activation
- ✓10% cashback on all Swiggy spends — food delivery, Instamart, and Dineout
- ✓5% cashback across a wide range of online categories and partner merchants
- ✓Extra instant discounts on Nykaa (5%) and Cleartrip (6% on flights, 19% on hotels) over and above the 5% cashback
- ✓Complimentary golf lessons (12/year) and green fees (4/year) via Mastercard Golf Program
Cons
- ✗No complimentary airport lounge access
- ✗Monthly cashback caps on all tiers — ₹1,500 for Swiggy and online spends, ₹1,000 for base cashback
- ✗Spends via the HDFC SmartBuy portal are excluded from cashback earning
Get This Card If
- ✓You regularly order food, groceries, or dine out through Swiggy, Instamart, or Dineout
- ✓You frequently shop online at partner platforms like Amazon, Flipkart, Myntra, Nykaa, and similar brands
- ✓You want additional instant discounts on Nykaa and Cleartrip on top of the standard 5% cashback
- ✓You can comfortably spend ₹2 lakh annually to avail the renewal fee waiver from Year 2 onwards
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Swiggy App Spends (Accelerated) | 10% Cashback | 10.00% | ₹1,500 per billing cycle |
| Online Shopping (Partner Brands) | 5% Cashback | 5.00% | ₹1,500 per billing cycle |
| Other Retail Spends | 1% Cashback | 1.00% | ₹1,000 per billing cycle |
| SmartBuy & Exclusions | No Cashback | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.8 Lakh | Joining Fee Waiver | ₹1,000 + GST Savings | Joining fee is waived upon spending ₹75,000 within the first 90 days. |
| ₹2 Lakh | Annual Fee Waiver | ₹1,000 + GST Savings | Annual renewal fee is waived upon hitting ₹2 Lakhs annual retail spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Statement Credit | ₹1.00 per unit1:1 Ratio | Best Value (Cashback is now automatically credited to your statement in the next month) |
What You Need to Know
The Swiggy BLCK Advantage
Includes 3 months of Swiggy BLCK (Priority delivery, no order grouping, and guarantee coupons).
Impact: Vastly superior to regular Swiggy One for those in high-demand areas like Clichy/Suresnes.
The 'SmartBuy' Exclusion
Unlike core HDFC cards, this card earns ZERO rewards for spends on the SmartBuy portal.
Impact: Users should avoid using this card for SmartBuy vouchers; use it directly on the brand apps instead.
Min Transaction Hurdle
The 10% Swiggy cashback only triggers for orders above ₹249.
Impact: Small 'single-person' snacks or quick Instamart pick-ups below ₹250 will only earn 1%.
Zero Lounge Access
Despite the 'BLCK' premium branding and ₹1k fee, this card still offers NO lounge access.
Impact: Users must rely on a secondary travel card (like your AU Zenith+) for airport perks.
Essential Fine Print
Reward Exclusions
Excluded Categories (No Cashback): Fuel, Rent, Wallet Load, EMI transactions, Jewelry, Cash advances, and Government payments.
Welcome Offer
Swiggy One Membership
Complimentary 3-month Swiggy One membership on card activation within 30 days of card issuance.
Dining Benefits
10% Cashback on Swiggy
Earn 10% cashback on Food ordering, Instamart, Dineout, and Genie transactions within the Swiggy app.
Golf Benefits
Mastercard Golf Benefits
• Access to golf courses worldwide and 12 free lessons per year. • Get 4 complimentary rounds of green fees per calendar year. • Enjoy discounted golf services at 50% of the green fee beyond complimentary sessions.
Milestone Benefits
Annual Fee Waiver
Spend ₹2 Lakh or more in a membership year to get the renewal fee waived for the next year.
Additional Features
Zero Lost Card Liability
Report card loss immediately to the 24-hour call center to have zero liability on any fraudulent transactions.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual / Renewal Fee | ₹1,000 |
| Fee Waiver Threshold | Spend ₹2,00,000 annually |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried Individuals
Age: 21-60 years, Net Monthly Income: > ₹1 Lakh
Self-Employed Individuals
Age: 21-65 years, Income: ITR > ₹12 Lakhs per annum
Ready to apply for Swiggy BLCK?
Annual fee: ₹1,000 · Waived on ₹2,00,000 spend
Frequently Asked Questions
Annual fee
₹1,000
1% – 10% yield