HDFC

Swiggy BLCK Credit Card

Good for Swiggy purchases.

Should you get this?

Conditional fit

Some details need issuer confirmation

Why this card

  • Up to 10% on Swiggy
  • 10% on eligible Swiggy, subject to caps.
  • 5% on eligible Online partners, subject to caps.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,000) is waived only when eligible annual spend exceeds ₹2,00,000.

Annual fee ₹1,000 per year
Base cashback 1%
Forex markup 3.5% high
Compare with Axis Bank IndiGo →

Similar tier comparison

What it costs to get, and to keep

Joining vs renewal

First year

₹1,000joining fee

From year 2

₹1,000renewal fee

Waived above ₹2,00,000 eligible annual spend

Welcome offer

Complimentary 3-month Swiggy BLCK Membership

Swiggy BLCK

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1%₹1,000 per statement cycle
Swiggy (domestic)10%₹1,500 per statement cycle; then 1% base
AmazonFlipkartMyntraNetflix and more — issuer list applies
  • Nykaa
  • ClearTrip
  • Book My Show
  • Uber
  • Pharmeasy
  • Croma
  • Vijay Sales
  • Reliance Digital
  • SonyLiv
  • Prime
  • Hotstar
  • Paytm Travel
  • Ixigo
  • Yatra
  • EaseMyTrip
  • Ibibo
5%5% at Amazon, Flipkart, Myntra, Netflix and more — issuer list applies · additional conditions apply — not fully modelled · source: 5-percent-cashback-details-swiggy-black-credit-card.pdf₹1,500 per statement cycle

Redemption value

What a Cashback is worth

  1. Cashback₹1 / pt

When does this card pay for itself?

Rewards break-even estimate
₹1L

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹1 per point

Cashback

Base earn

1% base cashback

Caps

  • Swiggy (domestic)₹1,500 per statement cycle
    Why?

    then 1% base

  • Amazon, Flipkart, Myntra, Netflix and more — issuer list applies₹1,500 per statement cycle
  • General spend₹1,000 per statement cycle
View full earning rules →

No reward on

  • These spends do not earn cashback: Rent
  • Government payments
  • Education
  • Fuel
  • +5 more
See earning rules →

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Shopping
6% cashbackDomestic spend

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹2,00,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Lounge access not verified.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate; partner and category bonuses not included
  • ~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
Lounge access not verified

Rewards

Base earn
1% base cashback
Reward type
Cashback
Point validity
Points expire 2 years after earning
Fees & charges

Fees

Annual fee
₹1,000
Joining fee
₹1,000 · verified 3 Sept 2026
Fee waiver spend
Above ₹2,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹2,00,000.
Interest-free period
Up to 50 days
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • No fuel surcharge waiver is available on this card.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
HDFC Bank Swiggy BLCK
vs
Axis Bank IndiGo
SIDE BY SIDE
HDFC Bank Swiggy BLCK
vs
Axis Bank My Zone
SIDE BY SIDE
HDFC Bank Swiggy BLCK
vs
HSBC India Live+
SIDE BY SIDE
HDFC Bank Swiggy BLCK
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ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cashback cap: ₹1,000 per statement cycle.
  • Swiggy cashback cap: ₹1,500 per statement cycle.
  • Selected-online cashback cap: ₹1,500 per statement cycle.
  • After the Swiggy cashback cap is reached, further spends earn the base rate.
Exclusions: 9

These spends do not earn cashback.

Payments

  • Rent
  • Government payments
  • Education

Financial

  • Fuel
  • EMI
  • Wallet loads

Shopping

  • Online gaming
  • Liquor

Other

  • Jewellery

Latest update

  • Annual fee: ₹1,000.
  • Forex markup currently listed at 3.5%.
  • Lounge access not verified.

Common questions

From verified card facts

Is this good for lounge access?

Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Complimentary 3-month Swiggy BLCK Membership. Included items: Swiggy BLCK — §2.6: Complimentary Swiggy BLCK Membership for 3 months as welcome benefit on card activation within 37 days of issuance; claim 'Swiggy BLCK' on Swiggy app (available 2–3 days post activation). Existing BLCK holders: extend by 3 months. Activation: transaction / OTP-IVR / PIN / enable card controls. External subscription — not cashback. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 4 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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