Swiggy BLCK HDFC Bank Credit Card

HDFC Bank · Open to apply

The premium Swiggy co-brand cashback card: 10% on Swiggy (food, Instamart, Dineout), 5% on a long list of online merchants and categories, 1% elsewhere, ₹4,000 a statement at most, with 3 months of Swiggy BLCK. ₹1,000 a year, joining fee waived at ₹75,000 in 90 days and renewal waived at ₹2 lakh.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
1% on other spends: 1% cashback (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026
Replaces
Swiggy HDFC Bank Credit Card

Main earn rates

  • 10% on Swiggy food ordering, Instamart and Dineout: 10% cashback (about 10% at cash value)
  • 5% on online shopping (apparel, electronics, entertainment, pharmacies and marketplaces): 5% cashback (about 5% at cash value)
  • 5% on local cabs (Uber, Ola, Zoomcar and similar): 5% cashback (about 5% at cash value)
  • 5% on Cleartrip, EaseMyTrip and Yatra: 5% cashback (about 5% at cash value)

Earns nothing on

  • No cashback on fuel
  • No cashback on rent or government-related payments
  • No cashback on wallet loads and prepaid cards
  • No cashback on jewellery
  • No cashback on gift cards
  • No cashback on EMI of any type
  • No cashback on gaming
  • No cashback on education fees (direct or through apps)
  • No cashback on purchases made through the SmartBuy portal

Terms the calculator does not value

  • The 5% online list covers only select merchants under each MCC (apparel, pharmacies, pet stores, personal care, electronics, local cabs, travel agencies), so the 5% on "Other online shopping" is the best case. Pet stores and personal care have no calculator spend line and are not applied. Paytm Travel, Ixigo, Ibibo, Vijay Sales and Meesho are not in the reference data.
  • Swiggy Dineout payments made at a restaurant earn 10% only when paid through the Swiggy app; the calculator's restaurant line is offline and is valued at 1%.
  • The Cleartrip (6.35% on flights, 20% on hotels, coupon CTSWHDFC) and Nykaa (5%, up to ₹100 a transaction, two a month, on ₹1,000 or more) instant discounts are limited-period offers with no end date given and are not valued.
  • The ₹50 + GST cashback redemption charge in the MITC is not charged in the value; Swiggy cashback is credited to the statement automatically.
  • The 3-month Swiggy BLCK membership has no value stated by HDFC and is not valued. The joining fee waiver (₹75,000 within 90 days) is applied when the profile's spend reaches it.
  • MITC caps on utilities and telecom do not apply. MITC v4.15 clause n caps the Reward Points earned on utility and on telecom transactions at 2,000 a calendar month from 1 September 2024, then says "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable". Swiggy BLCK is a variant of the Swiggy HDFC Bank Credit Card and earns rupee cashback, not reward points, so the clause is read as covering it: utility and telecom bills earn the 1% "Spends on other categories" rate inside that category's own "Rs.1000 per billing cycle" cap (T&C Table 1.1), as the base rule and its cap already do.
  • MITC caps on insurance and groceries do not apply. MITC v4.15 clause e caps "Reward Points accrued for insurance transactions" at 2,000 a month for "all other credit cards" (from 1 July 2025) and clause m caps "Reward Points earned on Grocery transactions" at 1,000 a month "for the rest of the cards" (from 1 January 2023). This card earns cashback in rupees, which the MITC says is "credited against outstanding balance in card statement", and the T&C sets its own caps by category, so no points cap is entered. Insurance premiums and grocery stores are not in Table 1.1's 1% exclusions ("Fuel, Rent, Jewellery, Govt. spends, Gaming and Education, EMI & Wallet") and earn 1% inside the ₹1,000 a billing cycle cap; Swiggy Instamart earns the Swiggy-app 10%.

Sources

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