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HDFC Bank · Visa · हिन्दी

Swiggy HDFC Bank BLCK Credit Card: full review

The Swiggy HDFC BLCK is only worth choosing over the base Swiggy card if you value the BLCK membership perks and golf access. The cashback rate and cap are identical, 10% on Swiggy up to ₹1,500/month. If you just want the best Swiggy cashback at the lowest cost, the original Swiggy HDFC card at ₹500 delivers the same returns.

Apply now ↗Annual fee: ₹1,000 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
SWIGGY BLCK
ASHOK KUMAR
12/28
₹1,000 + taxes (waived on ₹75,000 spend in first 90 days; ₹2,00,000/year from Y2)Annual fee
10% cashback on Swiggy (food, Instamart, Dineout) capped ₹1,500/month; 5% on Amazon, Flipkart, Myntra etc. capped ₹1,500/month; 1% baseReward structure
NoneLounge access
10% cashback on Swiggy food ordering, Instamart and Dineout, min ₹249/txn, capped ₹1,500/month5% cashback on Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow and more, capped ₹1,500/month1% cashback on all other eligible spends, capped ₹1,000/monthComplimentary 3-month Swiggy BLCK membership on activation (premium benefits, faster delivery, exclusive partner deals)Golf access worldwide + 12 complimentary golf lessons per yearUp to 19% discount on Cleartrip travel bookings5% instant discount at NykaaAnnual fee waived on ₹75,000 spend in first 90 days (Year 1); ₹2L/year from Year 2Direct statement cashback, auto-credited each billing cycle
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best Swiggy card for high spenders, ₹1,500/month cap = ₹18,000/year max Swiggy cashback
✓ Same 5% online partner rate as base Swiggy card but with higher tier benefits
✓ Golf access is unusual for a cashback card at this fee
✓ Swiggy BLCK membership adds premium food delivery perks
Cons
✗ ₹1,000 fee, double the base Swiggy card for same 10% rate and cap
✗ No lounge access despite higher fee
✗ 3.5% forex: avoid abroad
✗ Min ₹249/txn required for 10% Swiggy cashback
Quick facts
Issuer HDFC Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹75,000 spend in first 90 days; ₹2,00,000/year from Y2)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Swiggy HDFC Bank BLCK Credit Card is ₹1,000 + taxes (waived on ₹75,000 spend in first 90 days; ₹2,00,000/year from Y2). The joining fee is ₹1,000.
10% cashback on Swiggy (food, Instamart, Dineout) capped ₹1,500/month; 5% on Amazon, Flipkart, Myntra etc. capped ₹1,500/month; 1% base
Swiggy HDFC Bank BLCK Credit Card is best for Heavy Swiggy users wanting higher cashback and premium BLCK membership with golf access. The Swiggy HDFC BLCK is only worth choosing over the base Swiggy card if you value the BLCK membership perks and golf access. The cashback rate and cap are identical, 10% on Swiggy up to ₹1,500/month. If you just want the best Swiggy cashback at the lowest cost, the original Swiggy HDFC card at ₹500 delivers the same returns.
The minimum income requirement for Swiggy HDFC Bank BLCK Credit Card is ₹15,000/month (salaried). A minimum credit score of 700+ is also recommended.
Swiggy HDFC Bank BLCK Credit Card does not offer airport lounge access.
Swiggy HDFC Bank BLCK Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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Swiggy HDFC Bank BLCK₹1,000 + taxes
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