Swiggy BLCK HDFC Bank Credit Card Review (2026): 10% Cashback, Fees & Benefits
If you spend a good part of your monthly budget on Swiggy, the Swiggy BLCK HDFC Bank Credit Card is worth a look. It gives 10% cashback on eligible Swiggy food, 5% on selected online spends and 1% on other eligible purchases. The main thing to watch is the cashback cap on each category.
Key Takeaways
Joining fee: ₹1,000 + GST
Renewal fee: ₹1,000 + GST
Joining fee waiver: Spend ₹75,000 within the first 90 days
Minimum transaction: ₹249 for 10% cashback and ₹100 for 5% and 1% cashback
Welcome benefit: 3 months of complimentary Swiggy BLCK Membership
Golf: 4 complimentary green fee rounds and 12 complimentary lessons per calendar year
Who Can Apply?
The basic eligibility requirements are:
Salaried: Indian residents aged 21 to 60 years with a monthly income of at least ₹15,000.
Self-employed: Applicants aged 21 to 65 years with an annual ITR of more than ₹6 lakh.
HDFC Bank can also consider your credit profile and other internal eligibility criteria before approving the card.
How Does the Cashback Work?
The card has three cashback buckets:
Spend Category | Cashback | Cap per Billing Cycle |
Swiggy Food, Instamart & Dineout | 10% | ₹1,500 |
Eligible online merchants & categories | 5% | ₹1,500 |
Other eligible spends | 1% | ₹1,000 |
Keep in mind that cashback is based on the transaction posting date and is automatically credited against your outstanding card balance.
10% Cashback on Swiggy
This is the main reason to consider the card. Eligible Food, Instamart and Dineout spends earn 10% cashback capped at ₹1,500 per billing cycle. So you get the maximum cashback from this category after ₹15,000 of eligible spending.
There is also a ₹249 minimum transaction value for earning the 10% cashback. Swiggy Money Wallet, Swiggy Liquor and other excluded categories do not qualify.
There is also an MCC-related condition. HDFC Bank uses the Merchant IDs and Terminal IDs shared by Swiggy to identify eligible transactions, so an otherwise eligible purchase may not earn cashback if it is processed through an unsupported setup.
5% Cashback on Online Shopping
Selected online spends earn 5% cashback, up to ₹1,500 per billing cycle. You earn the full ₹1,500 available from this category after ₹30,000 of eligible online spending.
The list includes brands such as Amazon, Flipkart, Nykaa, Cleartrip, Ajio, Croma, Netflix, BookMyShow, Meesho, Ola, Uber, Paytm Travel, EaseMyTrip, Ixigo, Yatra and Goibibo. Certain categories such as apparel, electronics, pharmacies, personal care, entertainment and travel are also covered.
The important bit is the Merchant Category Code (MCC). An eligible brand does not automatically guarantee 5% cashback if the transaction is processed under an unsupported MCC. The minimum transaction value is ₹100.
1% Cashback on Other Eligible Spends
Other eligible purchases earn 1% cashback, up to ₹1,000 per billing cycle. The minimum transaction value is ₹100.
The 1% cashback also comes with its own set of exclusions, so not every purchase outside the higher cashback categories will qualify.
What Does Not Earn Cashback?
Major exclusions include fuel, rent, government payments, gift cards, wallet loads, jewellery, gaming, education, EMI transactions, SmartBuy, SmartPay, cash advances, traveller's cheques and foreign currency purchases and related fees.
HDFC Bank may change or add exclusions over time, so check the latest terms before applying.
Swiggy BLCK Credit Card Benefits
The card also comes with a few additional benefits.
Welcome benefit: You get three months of complimentary Swiggy BLCK Membership as a welcome benefit. Activate the card within 37 days of issuance, then claim BLCK through the Swiggy app. The option should appear within 2 to 3 days of activation.
Already have BLCK Membership? You can still claim the benefit. The complimentary three-month membership will be added after your existing BLCK Membership expires.
Birthday benefit: Get an additional 10% discount on eligible Swiggy Dineout bookings during your birthday week. The discount is capped at ₹500 on a minimum bill of ₹3,000. You need to have completed this within 30 days from your card activation.
Golf: Get 4 complimentary green fee rounds and 12 complimentary golf lessons per calendar year and a 50% discount on green fees after the complimentary rounds are used up.
If you play golf regularly, this can add some real value. If you don't, it's simply an additional perk rather than a reason to choose the card. You can access these benefits through Mastercard's support or its official golf benefits portal.
You also get standard features such as up to 50 days of interest-free credit, SmartEMI on eligible purchases and contactless payments.
Other Charges You Should Know
Charge | Details |
Forex Markup | 3.5% |
Finance Charges | 3.75% per month, 45% per annum |
Cash Advance | 2.5% or ₹500, whichever is higher |
Late Payment | ₹100 to ₹1,300 |
Overlimit | 2.5%, minimum ₹550 |
Payment Return | 2%, minimum ₹450 |
Rent | 1% |
Fuel | 1% |
Utility | 1% |
Education | 1% through third-party apps |
Online Gaming | 1% |
Wallet Loading | 1% |
These charges can change, so check HDFC Bank's latest Schedule of Charges and MITC before applying.
Is the Swiggy BLCK HDFC Bank Credit Card Worth It?
If you spend heavily on Swiggy and eligible online purchases, this card can offer strong value. The 10% and 5% cashback rates are attractive but the cashback cap and exclusions mean it works best when used selectively. For broader online cashback, the SBI Cashback Card is worth comparing. If a bigger share of your spending goes towards dining and other accelerated categories, the HSBC Live+ Credit Card is another option to consider.
If you're comparing it with cards you already have, SaveSage’s My Rewards section on the app's homepage helps you track your cashback and reward value in one place, so you can see which card is actually giving you more value.
FAQs
1. How much cashback does the Swiggy BLCK HDFC Bank Credit Card offer?
You get 10% cashback on eligible Swiggy Food, Instamart and Dineout spends, 5% on eligible online merchants and categories and 1% on other eligible spends.
2. What is the maximum cashback on the Swiggy BLCK HDFC Credit Card?
You can earn up to ₹1,500 on eligible Swiggy spends, ₹1,500 on eligible online spends and ₹1,000 on other eligible spends per billing cycle.
3. Does the Swiggy BLCK HDFC Bank Credit Card offer airport lounge access?
No. The card does not offer complimentary domestic or international airport lounge access. Its main benefits are cashback, Swiggy BLCK Membership, birthday dining benefits and golf privileges.
4. Which transactions do not earn cashback?
Fuel, rent, government payments, gift cards, wallet loads, jewellery, education, gaming, EMI transactions, SmartBuy, SmartPay, cash advances, traveller's cheques and foreign currency purchases are among the exclusions.
5. Is the Swiggy BLCK HDFC Bank Credit Card worth getting?
It can be a good fit if you regularly spend on Swiggy and eligible online merchants. The higher cashback rates are attractive but the caps, exclusions and MCC-based eligibility are important to consider.
