CashbackDiningShopping

Swiggy BLCK HDFC Bank Credit Card Review

Swiggy BLCK HDFC Bank is best for heavy swiggy, instamart and dineout users. 10% cashback on Swiggy Food, Instamart and Dineout.

Annual fee₹1,000 + GST

Fee waiver₹2,00,000 / year

Top reward rate10%

Forex markup3.5%

NetworkMastercard

Min. income₹1,00,000/mo

Visit HDFC Bank website Calculate my rewards Compare

Pros

10% cashback on Swiggy Food, Instamart and Dineout
5% cashback on online spends across apparel, electronics, pharmacy, travel, cabs and more
1% cashback on other spends
Joining fee waived on ₹75,000 spend in the first 90 days

Cons

Higher ₹1,000 fee than the old Swiggy HDFC card
Separate ₹1,500 monthly caps on each cashback tier
No rewards on fuel, rent, utilities or wallet loads

Reward rate by category

Effective value back per ₹100 spent. Cashback credited to the card statement. Replaced the original Swiggy HDFC Bank card in 2026.

Amazon5%

Flipkart5%

Other online shopping5%

Food delivery10%

Dining out1%

Groceries1%

Flights & hotels5%

Fuel0%

Bills & recharges0%

Everything else1%

Caps, tiers & milestones

10% Swiggy cashback capped at ₹1,500 per month
5% online cashback capped at ₹1,500 per month

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender ₹3,96,000/yr spend	₹11,760
Online shopper ₹3,90,000/yr spend	₹17,580
Frequent traveller ₹8,04,000/yr spend	₹18,804
Family & groceries ₹5,88,000/yr spend	₹11,520

Use my own spends

Lounge access

None

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Swiggy BLCK HDFC Bank FAQs

What is the annual fee of the Swiggy BLCK HDFC Bank credit card?

The Swiggy BLCK HDFC Bank credit card has a joining fee of ₹1,000 and an annual fee of ₹1,000, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.

Is Swiggy BLCK HDFC Bank a good credit card?

The Swiggy BLCK HDFC Bank card is best for: heavy swiggy, instamart and dineout users. Its main strengths are: 10% cashback on swiggy food, instamart and dineout; 5% cashback on online spends across apparel, electronics, pharmacy, travel, cabs and more. Its main drawback: higher ₹1,000 fee than the old swiggy hdfc card.

What is the forex markup on Swiggy BLCK HDFC Bank?

The Swiggy BLCK HDFC Bank card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.

Does Swiggy BLCK HDFC Bank offer airport lounge access?

No, the Swiggy BLCK HDFC Bank card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: ₹1,00,000 a month (salaried), reported by comparison sites. Sources: Live From A Lounge: Swiggy BLCK and ORNGE · HDFC Bank. Banks change terms often, so confirm on the HDFC Bank website before applying.