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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
More from HDFC BankAll HDFC Bank cards
Min. incomeNot confirmed
Visit HDFC Bank website Calculate my rewards

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

Recent changes to this card

  1. New launch HDFC Bank

    Swiggy HDFC replaced by Swiggy BLCK and ORNGE

    BLCK (₹1,000 fee) pays 10% on Swiggy. ORNGE (₹500 fee) pays 5%.

    Swiggy BLCK HDFC · Swiggy ORNGE HDFC · Source

See all credit card changes →

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HDFC Bank Millennia Credit Card

CashbackShoppingBeginner friendly
Annual fee₹1,000 + GST
RewardsUp to 5%
Forex markup3.5%
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
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View details

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: not confirmed (reports range from ₹15,000 to ₹1 lakh a month). Sources: Live From A Lounge: Swiggy BLCK and ORNGE · HDFC Bank: Swiggy BLCK. Banks change terms often, so confirm on the HDFC Bank website before applying.
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