Premium Dining & Shopping — 10% Swiggy Cashback & 5% Across Top Online Merchants
₹1,000
One-time upfront₹1,000
Waived on ₹2 lakh annual spend10% on Swiggy (max ₹1,500/cycle), 5% on select online merchants (max ₹1,500/cycle), 1% on other spends (max ₹1,000/cycle)
On eligible spends3.50% + GST
Cross-currency spendsLast verified 21 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Officially launched in March 2026 as the premium flagship variant of the HDFC-Swiggy co-brand, the Swiggy BLCK card preserves the lucrative 10% Swiggy cashback rate (capped at ₹1,500/billing cycle) and 5% online shopping return (capped at ₹1,500/billing cycle). With ₹1,000 joining/renewal fees, it pays for itself if you spend ₹1,000+ monthly on Swiggy or online retail, while heavy spenders can waive the fee at ₹2,00,000 annual spend. Note: No complimentary airport lounge access is included.
Complimentary 3-month Swiggy BLCK membership upon card setup within 37 days of issuance.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Swiggy App (Food, Instamart, Dineout) | 10% statement cashback on Swiggy Food, Instamart, and Dineout (min tx ₹249; max ₹1,500/billing cycle) | 1,500 INR (₹) / statement cycle | Standard terms apply |
| Select Online Shopping (1,000+ Partner Merchants) | 5% statement cashback on select online merchant categories including Amazon, Flipkart, Myntra, Nykaa, Ajio, Ola, Uber (min tx ₹100; max ₹1,500/billing cycle) | 1,500 INR (₹) / statement cycle | Standard terms apply |
| All Other Eligible Retail Spends | 1% statement cashback on all other eligible retail transactions (min tx ₹100; max ₹1,000/billing cycle) | 1,000 INR (₹) / statement cycle | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Swiggy App (Food, Instamart, Dineout) | ₹6,000 | 10% statement cashback on Swiggy Food, Instamart, and Dineout (min tx ₹249; max ₹1,500/billing cycle) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| Select Online Shopping (1,000+ Partner Merchants) | ₹6,000 | 5% statement cashback on select online merchant categories including Amazon, Flipkart, Myntra, Nykaa, Ajio, Ola, Uber (min tx ₹100; max ₹1,500/billing cycle) | — | ₹1,500/statement_cycle | Calculating... | Under cap |
| All Other Eligible Retail Spends | ₹18,000 | 1% statement cashback on all other eligible retail transactions (min tx ₹100; max ₹1,000/billing cycle) | — | ₹1,000/statement_cycle | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fees: Joining ₹1,000 + GST (waived on ₹75k spend in first 90 days); Annual Renewal ₹1,000 + GST (waived on ₹2,00,000 annual spend). Rewards: 10% statement cashback on Swiggy (Food, Instamart, Dineout; min tx ₹249, max ₹1,500/billing cycle); 5% on select online merchants (min tx ₹100, max ₹1,500/billing cycle); 1% on other eligible retail (min tx ₹100, max ₹1,000/billing cycle). Cashback Exclusions: Fuel, rent, wallet loads, gift cards, EMI, education, government transactions, jewellery, cash advances, foreign currency purchase & fees. Welcome Benefit: Complimentary 3-month Swiggy BLCK membership upon card activation within 37 days. Network: Mastercard World. Golf privileges included. No airport lounge access.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Swiggy BLCK HDFC Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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Best for: Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users
Rewards: 5% online cashback (up to ₹2,000/cycle), 1% offline cashback (up to ₹2,000/cycle), total combined cap ₹4,000/cycle
Renewal fee waived on ₹2,00,000 annual spend
Last verified 15 Oct 2026
Swiggy HDFC Bank Credit Card
Best for: Existing Swiggy HDFC Cardholders & Urban Delivery Shoppers
Rewards: 10% on Swiggy, 5% on 1,000+ online partner apps, 1% elsewhere
Renewal fee waived on ₹2,00,000 annual spend
Last verified 21 Oct 2026
Best for: Zomato Food Delivery, Dining Out on District, Blinkit Orders & Quick-Commerce Spends
Rewards: 1% base statement cashback on all other eligible retail transactions
Last verified 15 Oct 2026
Best for: Moderate Swiggy Users, Daily Online Shoppers & Budget-Conscious Foodies
Rewards: 5% cashback on Swiggy and select online merchants (shared ₹1,500/cycle cap), 1% on other eligible spends (max ₹1,000/cycle)
Renewal fee waived on ₹1,50,000 annual spend
Last verified 21 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
Best for: UPI Scan & Pay, Accelerated Shopping on Amazon/Flipkart/Myntra (>₹15k Monthly Spend), and Jupiter Flights
Rewards: 5% Jewels (5 Jewels per ₹100 spend; up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit)
Last verified 15 Oct 2026
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
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