Swiggy BLCK HDFC Bank Credit Card
About Swiggy BLCK HDFC Bank Credit Card
The Swiggy BLCK HDFC Bank Credit Card is the apex product for regular Swiggy and Instamart shoppers. Reaching the full ā¹1,500 monthly cashback on Swiggy yields ā¹18,000 per year in direct food and grocery savings.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| š10% Swiggy Cashback | 10% direct cashback on Swiggy Food, Instamart, Dineout, and Genie on orders of ā¹249 and above (capped at ā¹1,500/month). |
| šļø5% Online Partner Apps | 5% cashback on top merchants including Amazon, Flipkart, Myntra, Nykaa, and Uber on orders of ā¹100 and above (capped at ā¹1,500/month). |
| š³1% Base Retail Cashback | 1% cashback on other eligible retail spending (capped at ā¹1,000/month). |
| ā³Complimentary Golf Rounds | 4 complimentary golf games or lessons per calendar year (1 per quarter) via Mastercard World privileges. |
| šSwiggy BLCK Membership | Complimentary 3-month Swiggy BLCK membership unlocked upon card activation. |
| šÆAnnual Spend Waiver | Annual renewal fee of ā¹1,000 + GST waived on spending ā¹2,00,000 or more in preceding 12 months. |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ā¹1,000 + GST (Waived on Spends of ā¹2,00,000)Spend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ā¹100), ā¹100 (ā¹101āā¹500), ā¹500 (ā¹501āā¹1,000), ā¹600 (ā¹1,001āā¹5,000), ā¹750 (ā¹5,001āā¹10,000), ā¹900 (ā¹10,001āā¹25,000), ā¹1,100 (ā¹25,001āā¹50,000), ā¹1,300 (Above ā¹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency conversion fee applicable on overseas transactions and foreign currency billing. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ā¹0 (Direct Automatic Statement Credit)Cashback settles directly against monthly card statement dues with zero redemption fee. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ā¹400 and ā¹5,000 (Max ā¹250 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ā¹15,000/month (Capped at ā¹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ā¹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ā¹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ā¹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ā¹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on online skill-based gaming transactions exceeding ā¹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on wallet loading transactions exceeding ā¹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ā¹50,000/month (Capped at ā¹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ā¹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ā¹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ā¹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ā¹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ā¹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Pros & Cons
Swiggy BLCK HDFC Bank Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
10% Swiggy Ecosystem Return
Enjoy 10% cashback on Swiggy Food delivery, Instamart groceries, Dineout payments, and Genie courier orders with minimum spend of ā¹249.
5% E-Commerce Marketplace Return
Receive 5% return on purchases at Amazon, Flipkart, Myntra, Nykaa, and Uber with minimum order value of ā¹100.
Golf Privileges
Mastercard World cardholders receive 4 complimentary golf games or lessons per calendar year across India.
Swiggy BLCK Tier
3-month complimentary Swiggy BLCK membership providing exclusive discounts, priority delivery, and waived surge charges.
10% Swiggy + 5% Online Marketplaces + 1% Retail
Monthly cashback credited directly into your linked Swiggy Money wallet balance within 10 days of statement generation.
Cashback Settlement Schedule
Direct monthly statement adjustment and value realization rates.
| Settlement Channel | Cashback Realization | Notes |
|---|---|---|
| Swiggy Money Wallet | 1 Cashback = ā¹1.00 | Directly credited to Swiggy Money. Usable for all orders on Swiggy app. |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for Swiggy BLCK HDFC Bank Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 ā 60 Years | 21 ā 65 Years |
| Income Proof | Net Monthly Income > ā¹25,000 | ITR > ā¹6,00,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
How to Apply for Swiggy BLCK HDFC Bank Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ā¹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
2.66% effective benchmark return
Exceptional net ROI (>500% or >ā¹20,000 net return)
No monthly or category ceilings
Direct Statement Credit
Domestic (0/5) + Intl (0/3) + Terms (0/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Solid reward return, highly liquid redemption and exceptional net ownership ROI. The score is reduced by the lounge access terms and forex markup.
You need to spend at least ā¹37,500 per year (ā¹3,125/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (ā¹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
To earn the accelerated 10% cashback on Swiggy Food, Instamart, Dineout, or Genie, the transaction value must be ā¹249 or more. Orders under ā¹249 earn the standard 1% base rate.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for Swiggy BLCK HDFC Bank Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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