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HDFC Swiggy Black

Premium cashback for Swiggy and online spends.

Swiggy Black HDFC Bank Credit Card

Swiggy

10% cashback, capped at Rs 1,500 per billing cycle

Online

5% cashback, capped at Rs 1,500 per billing cycle

Other spends

1% cashback, capped at Rs 1,000 per billing cycle

Welcome

Complimentary Swiggy BLCK for 3 months

Golf

12 lessons + 4 complimentary green-fee rounds/year

10% across Swiggy

Earn 10% cashback on eligible Food Delivery, Instamart and Dineout spends, capped at Rs 1,500 per billing cycle.

5% select online

Eligible merchants and categories include Amazon, Flipkart, Myntra, Nykaa, travel, entertainment, electronics and pharmacies.

1% other spends

Other eligible transactions earn 1% cashback, capped at Rs 1,000 per billing cycle.

Three-month BLCK

Activate the card to receive a complimentary Swiggy BLCK membership for three months.

Automatic statement credit

Cashback is automatically set off against the card account outstanding in the subsequent statement.

Mastercard golf

Get 12 golf lessons and 4 complimentary green-fee rounds per calendar year.

HDFC Swiggy BLCK: fees & key facts

HDFC Swiggy BLCK credit card fees and key facts
Joining feeRs 1,000 + applicable taxes; first-year joining fee waived after Rs 75,000 spend in the first 90 days
Annual feeRs 1,000 + applicable taxes; waived on Rs 2 lakh annual spend before renewal
Welcome benefitComplimentary Swiggy BLCK membership for 3 months after card activation
Swiggy cashback10% on eligible Swiggy Food Delivery, Instamart and Dineout spends; capped at Rs 1,500 per billing cycle
Online cashback5% on eligible select online merchants and MCC-based categories; capped at Rs 1,500 per billing cycle
Other cashback1% on other eligible categories; capped at Rs 1,000 per billing cycle
Minimum transactionAt least Rs 249 for 10% cashback and Rs 100 for 5% or 1% cashback
Cashback redemptionAutomatically credited against the card account outstanding in the subsequent statement
Mastercard golf12 complimentary golf lessons and 4 complimentary green-fee rounds per calendar year, plus 50% discounted green fees beyond the complimentary sessions
Excluded transactionsNo 1% cashback on fuel, rent, wallets, jewellery, government payments, gift cards, EMI, gaming and education; additional programme exclusions apply
EligibilitySalaried Indian residents aged 21 to 60 with net monthly income above Rs 1 lakh; self-employed Indian residents aged 21 to 65 with annual ITR above Rs 12 lakh

Public issuer terms checked 3 October 2026.

HDFC Swiggy terms, published 22 September 2026

Who should get it

Swiggy BLCK is the higher-cashback sibling of Swiggy Ornge: it doubles the eligible Swiggy rate to 10% while retaining 5% on select online categories and 1% on other eligible spends.

The card works best for a household that can use the Rs 1,500 Swiggy cap every billing cycle and values the complimentary three-month BLCK membership.

The Rs 1,000 fee is modest for the headline earn rates, but the caps, minimum transaction values and category exclusions still matter. Treat it as a focused cashback card rather than a universal 10% card.

Reward exclusions

Transactions that do not earn cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Wallets, prepaid cards, gift cards and vouchers
  • Rent, government, education and gaming
  • Fuel and jewellery
  • SmartPay, SmartBuy and EMI transactions
  • Cash advances, travellers cheques, foreign-currency purchases and fees
  • Swiggy Money and liquor purchases

Each cashback bucket has its own cap and minimum transaction size. The linked terms distinguish eligible merchant purchases from wallet loads and Swiggy Money.

Checked 3 October 2026Swiggy Ornge and BLCK September 2026 terms

HDFC Swiggy BLCK FAQs

How much cashback does Swiggy BLCK earn on Swiggy?

It earns 10% cashback on eligible Swiggy Food Delivery, Instamart and Dineout transactions, capped at Rs 1,500 per billing cycle. A minimum transaction value of Rs 249 applies.

Does Swiggy BLCK earn 5% on every online transaction?

No. The 5% rate applies only to eligible merchants and MCC-based categories published by HDFC Bank, with a Rs 1,500 billing-cycle cap. Other eligible transactions may earn 1% or no cashback.

What welcome benefit comes with Swiggy BLCK?

Card activation unlocks a complimentary Swiggy BLCK membership for three months. HDFC lists activation actions such as making a first transaction, setting the PIN or enabling card controls.

Can the Swiggy BLCK joining fee be waived?

Yes. The Rs 1,000 joining fee is waived after Rs 75,000 of spend in the first 90 days. This is a first-year benefit.

What is the annual fee waiver threshold?

Spend Rs 2 lakh or more in the year before the renewal date to waive the next Rs 1,000 renewal fee. Cash on Call, balance transfers and cash withdrawals are excluded from waiver qualification.

Does Swiggy BLCK include airport lounge access?

HDFC's current Swiggy BLCK product page does not list complimentary airport lounge access. The card's premium lifestyle extra is the Mastercard golf programme.

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