Credit card

Swiggy BLCK HDFC Bank Credit Card

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MASTERCARD

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Card review

Swiggy BLCK HDFC Bank Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

Premium Swiggy cashback card for food delivery and online lifestyle spends

Fee: ₹1,000 INR/yr (≈ $12); Waived on ₹2 lakh annual spend; joining fee waived on ₹75,000 spend within 90 days
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

10% cashback on Swiggy (food, Instamart, Dineout, Genie) capped ₹1,500/month; 5% on select online categories (Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow) capped ₹1,500/month; 1% on other spends capped ₹1,000/month

Welcome offer

3-month complimentary Swiggy BLCK membership

Our verdict

What stands out, and where it falls short.

What we like

10% cashback on Swiggy (food, Instamart, Dineout, Genie) capped…
Welcome bonus
50-day interest-free period

Worth weighing

₹1,000 INR/yr (≈ $12) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the Swiggy BLCK HDFC Bank Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹1,000 INR/yr (≈ $12) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹1,000 INR/yr (≈ $12)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)

Rewards and features

Rewards: 10% cashback on Swiggy (food, Instamart, Dineout, Genie) capped ₹1,500/month; 5% on select online categories (Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow) capped ₹1,500/month; 1% on other spends capped ₹1,000/month
Welcome offer: 3-month complimentary Swiggy BLCK membership
Pay with: Contactless
Minimum Swiggy Order: Orders below ₹249 do not qualify for 10% cashback
Excluded Categories: Fuel, rent, wallet loads, EMI, jewellery, government transactions

Benefits and perks

Extras that come bundled with the card.

Extra 10% birthday discount at Swiggy Dineout (capped ₹500)

Eligibility

What you need before you apply.

Minimum Age: 21 years

Swiggy BLCK HDFC Bank Credit Card: your questions answered

How much does the Swiggy BLCK HDFC Bank Credit Card cost?

The Swiggy BLCK HDFC Bank Credit Card costs ₹1,000 INR/yr (≈ $12). Waived on ₹2 lakh annual spend; joining fee waived on ₹75,000 spend within 90 days.

What rewards does the Swiggy BLCK HDFC Bank Credit Card earn?

The Swiggy BLCK HDFC Bank Credit Card earns 10% cashback on Swiggy (food, Instamart, Dineout, Genie) capped ₹1,500/month; 5% on select online categories (Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow) capped ₹1,500/month; 1% on other spends capped ₹1,000/month.

Does the Swiggy BLCK HDFC Bank Credit Card charge foreign transaction fees?

Yes - the Swiggy BLCK HDFC Bank Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the Swiggy BLCK HDFC Bank Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Swiggy BLCK HDFC Bank Credit Card?

The Swiggy BLCK HDFC Bank Credit Card has a purchase APR of from 45%.

Does the Swiggy BLCK HDFC Bank Credit Card have a welcome offer?

Yes - 3-month complimentary Swiggy BLCK membership.

Is the Swiggy BLCK HDFC Bank Credit Card a credit, debit or prepaid card?

The Swiggy BLCK HDFC Bank Credit Card is a credit card issued by HDFC Bank on the Mastercard network.

Does the Swiggy BLCK HDFC Bank Credit Card support Apple Pay and Google Pay?

The Swiggy BLCK HDFC Bank Credit Card does not list Apple Pay or Google Pay support.

Where can I get the Swiggy BLCK HDFC Bank Credit Card?

The Swiggy BLCK HDFC Bank Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the Swiggy BLCK HDFC Bank Credit Card?

DebitCue rates the Swiggy BLCK HDFC Bank Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.