HDFC

Swiggy BLCK Credit Card

Good for Swiggy purchases.

HDFC MASTERCARD

Swiggy BLCK

Should you get this?

Conditional fit

Partial evidence

Why this card

Up to 10% on Swiggy
You can comfortably spend ₹2,00,000 a year on the card.
You spend on swiggy.

Issuer evidence · 3 sources →

Trade-off

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

Annual fee ₹1,000 per year

Base cashback 1%

Lounge access — not verified

Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend1%₹1,000 per month

Swiggy (domestic)10%₹1,500 per month; 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 month

Redemption value

What a Cashback is worth

Cashback₹1 / pt

Annual fee break-even math

When does this card pay for itself

₹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

Best verified lane

Swiggy (domestic)

10%

View bonus categories →

Caps

Swiggy (domestic)₹1,500 per month
Why?
then 1% base
Amazon, Flipkart, Myntra, Netflix and more — issuer list applies₹1,500 per month
General spend₹1,000 per month

View full earning rules →

No reward on

These spends do not earn cashback: Rent
Government payments
Education
Fuel
+5 more

See earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Lounge access not verified.
Some key details aren't confirmed yet: forex markup.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹6,000/year back · net +₹5,000 after ₹1,000 fee
Fee waiver achievable at this 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 cashback: 1% base cashback
Reward type: Cashback

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹1,000
Joining fee: ₹1,000
Fee waiver spend: ₹2,00,000 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).
Interest-free period: Up to 50 days

International Use

Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

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HDFC Bank Swiggy BLCK

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HDFC Bank Swiggy BLCK

ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:₹1,000 per month.
Monthly cap:₹1,500 per month.
After a category 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.
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 not listed. Check issuer charges before international spends.

Is the annual fee easy to recover?

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

When do welcome benefits arrive?

Issuer lists a welcome benefit 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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