Swiggy BLCK HDFC Bank Credit Card
HDFC Bank · Visa · Mid card
The step-up version of the Swiggy HDFC card for households that already max out the base card’s ₹1,500 monthly cap and want the BLCK membership perks bundled in.
Heavy Swiggy/Instamart users who are already Swiggy BLCK members or want to be.
Terms checked 21 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹1,000 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Swiggy
- 10%
- Amazon
- 5%
- Flipkart
- 5%
- Myntra
- 5%
| Category | Recorded rate |
|---|---|
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Online shopping | 1% |
| Subscriptions & streaming | 1% |
| Entertainment & movies | 1% |
| Beauty & wellness | 1% |
| Bills & utilities | 1% |
| Offline store shopping | 1% |
| Travel & hotels | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- 10% Swiggy cashback: ₹1,500/statement cycle · 5% listed-online cashback: ₹1,500/statement cycle · 1% other-spend cashback: ₹1,000/statement cycle
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Eligible Swiggy cashback
Usage-based value10% requires an eligible Swiggy, Instamart or Dineout transaction of at least ₹249; Swiggy Money and liquor are excluded.
Conditions: 10% requires an eligible Swiggy, Instamart or Dineout transaction of at least ₹249; Swiggy Money and liquor are excluded.
Listed online merchant cashback
Usage-based value5% requires an issuer-listed online merchant or MCC and a transaction of at least ₹100.
Conditions: 5% requires an issuer-listed online merchant or MCC and a transaction of at least ₹100.
Listed online MCC cashback
Usage-based value5% requires an MCC in the issuer PDF, the online route and a transaction of at least ₹100.
Conditions: 5% requires an MCC in the issuer PDF, the online route and a transaction of at least ₹100.
Other eligible cashback
Usage-based value1% applies to other eligible transactions of at least ₹100; fuel, rent, wallet, jewellery, government, gift-card, EMI, gaming and education transactions are excluded.
Conditions: 1% applies to other eligible transactions of at least ₹100; fuel, rent, wallet, jewellery, government, gift-card, EMI, gaming and education transactions are excluded.
10% cashback on eligible Swiggy transactions, capped at ₹1,500 per statement cycle
Shown without a cash value5% cashback on issuer-listed online merchants and MCCs, under a separate ₹1,500 cap
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Joining fee
Cost ₹1,000₹1,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
3 months of Swiggy BLCK
Shown without a cash valueComplimentary Swiggy BLCK membership after card activation.
Conditions: Activate the card under the bank-prescribed activation process
Golf · 2 items
Mastercard golf privileges under the current network programme
Shown without a cash valueThree months of Swiggy BLCK, Mastercard golf and zero lost-card liability under current terms
Shown without a cash value
Insurance and protection · 1 item
Zero lost-card liability after prompt reporting under issuer terms
Shown without a cash value
Memberships · 1 item
Three-month Swiggy BLCK membership under the activation terms
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Self-employed threshold is derived from the published annual ITR requirement above ₹12 lakh.
Other benefits · 1 item
1% on other eligible spend under a separate ₹1,000 cap
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗
What stands out
- ✓ 10% cashback on eligible Swiggy transactions, capped at ₹1,500 per statement cycle
- ✓ 5% cashback on issuer-listed online merchants and MCCs, under a separate ₹1,500 cap
- ✓ 1% on other eligible spend under a separate ₹1,000 cap
- ✓ Three months of Swiggy BLCK, Mastercard golf and zero lost-card liability under current terms
What to watch
The 10%, 5% and 1% buckets have separate caps and exclusions. The engine applies an accelerator only when the merchant or route is known.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Gold Jewellery · Government payments · Gift cards · Emi · Gaming · Education Family
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026