Loading page
Loading card
HDFC Bank
The highest Swiggy cashback rate in the HDFC co-branded family.
Waived on ₹75,000 spend
Waived on ₹2,00,000/yr
Capped at ₹1,500/billing cycle
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms confirmed against the issuer
4 reward rates with their own caps, 9 recorded limitations, and every figure below traced to a source.
See where each figure came fromFood delivery
Pays up to ₹1,500 a billing cycle — reached at about ₹15,000 of spend · nothing under ₹249
Dining
Pays up to ₹1,500 a billing cycle — reached at about ₹15,000 of spend · nothing under ₹249
Online shopping
Pays up to ₹1,500 a billing cycle — reached at about ₹30,000 of spend · nothing under ₹100
Everything else
Pays up to ₹1,000 a billing cycle — reached at about ₹1,00,000 of spend · nothing under ₹100
No cashback on fuel, rent, wallet loads, EMI (all types), jewellery, government payments, cash advance or forex purchase, per HDFC Bank MITC All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Food delivery — 10% cashback on Swiggy app spends — food delivery, Instamart and Dineout, up to ₹1,500 per billing cycle.
Biggest limitation
10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing on that tier.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
cappedFood delivery
Pays up to ₹1,500 per billing cycle — reached at about ₹15,000 of spend.
10% cashback on Swiggy app spends — food delivery, Instamart and Dineout
10%
cappedDining
Pays up to ₹1,500 per billing cycle — reached at about ₹15,000 of spend.
Dineout is part of the 10% Swiggy cashback tier and shares its cap
5%
cappedOnline shopping
Pays up to ₹1,500 per billing cycle — reached at about ₹30,000 of spend.
5% cashback on select online partner merchants only
1%
cappedEverything else
Pays up to ₹1,000 per billing cycle — reached at about ₹1,00,000 of spend.
1% cashback on other eligible retail spends
Cashback is auto-credited as Swiggy Money or statement credit — there is no points catalogue and no manual redemption. Cashback expires one year from the date it is earned.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,000 | Waived on ₹75,000 spend within 90 days |
| Annual / renewal fee | ₹1,000 | Renewal fee waived on spending ₹2,00,000 or more in the year before the renewal date. |
| Add-on card | As per HDFC Bank Swiggy BLCK Credit Card add-on card policy | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, minimum ₹500 per transaction |
| Late payment | Nil up to ₹100 outstanding; ₹100–₹1,300 slab-based charges for higher outstanding, per HDFC Bank MITC | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹2,00,000 a year
is what it takes to keep the ₹1,000 fee off — about ₹16,667 a month
Not offered on this card
No fuel surcharge waiver on this card, per HDFC Bank MITC
This is a Mastercard credit card. UPI on credit cards is a RuPay feature, so it does not apply here.
Welcome — once
1 benefit
recorded without a rupee figure, so it is not estimated
Milestones — every year
1
spend threshold you can reach again each year
Joining fee of ₹1,000 + GST waived on spending ₹75,000 within the first 90 days
Only on ₹75,000 of spend within 90 days. Miss it and the benefit does not arrive.
Spend ₹2,00,000 a year — about ₹16,667 a month
Renewal fee waived on ₹2,00,000 annual spend before the renewal date. Cash withdrawal, Cash-on-Call and balance transfer are excluded from this calculation.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Swiggy BLCK HDFC Bank Credit Card · this card | ₹1,000 | 10% food delivery | No |
| Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,000 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 10% on food delivery, capped at ₹1,500 per billing cycle — so roughly ₹15,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
This is a Mastercard credit card. UPI on credit cards is a RuPay feature, so it does not apply here.
No cashback on fuel, rent, wallet loads, EMI (all types), jewellery, government payments, cash advance or forex purchase, per HDFC Bank MITC No cashback on fees, finance charges or disputed transactions No cashback on fees, finance charges, disputed transactions; cashback capped category-wise per billing cycle; cashback credited as Swiggy Money, expiring 1 year from date of earning No cashback on fuel, rent, wallet loads, EMI (all types), jewellery, government payments, cash advance, forex purchase, per HDFC Bank MITC
HDFC Bank publishes about ₹1,00,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Cashback is auto-credited as Swiggy Money or statement credit — there is no points catalogue and no manual redemption. Cashback expires one year from the date it is earned.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
The premium co-branded cashback credit card from HDFC Bank and Swiggy, offering 10% cashback on Swiggy spends, 5% on select online merchants, and a complimentary 3-month Swiggy BLCK membership.
BLCK offers 10% Swiggy cashback (vs 5% on Ornge), a 3-month Swiggy BLCK membership (vs a 12-month Swiggy One membership on Ornge), and requires a higher ₹1 lakh/month income and ₹2 lakh annual spend for fee waiver.
₹1,000 plus GST for both joining and annual fee. The joining fee is waived on spending ₹75,000 within the first 90 days; the annual fee is waived on ₹2,00,000 annual spend.
10% cashback on Swiggy App spends including food delivery, Instamart and Dineout, capped at ₹1,500 per billing cycle on a minimum transaction of ₹249.
Salaried applicants need a minimum monthly income of ₹1,00,000 (age 21–60); self-employed applicants need an annual ITR above ₹12 lakh (age 21–65).
No, the Swiggy BLCK HDFC Bank Credit Card does not include complimentary domestic or international lounge access.
As a Mastercard World Tier card, it offers 4 complimentary rounds of golf green fees and 12 complimentary golf lessons per year, plus 50% off green fees beyond the complimentary sessions.
Yes, cashback is auto-credited as Swiggy Money or statement credit, though it expires 1 year from the date it was earned.
Approximately 3.5% per month (about 42% per annum) is charged on revolving balances not paid in full by the due date.
Choose BLCK if you spend heavily on Swiggy and meet the ₹1 lakh/month income requirement for higher 10% cashback and premium perks; choose Ornge for a lower-fee, lower-income-threshold alternative with 5% Swiggy cashback. Compare both on CredSpy.
CredSpy Pro Tip
Important Notice (2026)
CredSpy Verdict — 4.1/5
Quick Facts
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Swiggy BLCK HDFC Bank Credit Card — 10% on food delivery, up to ₹1,500 per billing cycle. ₹1,000 a year.