HDFC Bank · Mastercard World
HDFC Swiggy BLCK
A premium food-and-online cashback card with 10% back on eligible Swiggy spends, a three-month BLCK membership and Mastercard golf benefits.
- Cashback
- Food & dining
- Online
- Earn 10% cashback on eligible Swiggy Food, Instamart and Dineout spends, capped at Rs 1,500 per billing cycle.
- Get 5% cashback on eligible select online spends and 1% on other eligible categories, with cashback automatically applied as statement credit.
- Fee
- Rs 1,000 + GST Waiver at Rs 2L
- Swiggy
- 10% cashback
- Welcome
- 3-month BLCK
At a glance
HDFC Swiggy BLCK highlights
- 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
HDFC Swiggy BLCK: fees & key facts
| Joining fee | Rs 1,000 + applicable taxes; first-year joining fee waived after Rs 75,000 spend in the first 90 days |
|---|---|
| Annual fee | Rs 1,000 + applicable taxes; waived on Rs 2 lakh annual spend before renewal |
| Welcome benefit | Complimentary Swiggy BLCK membership for 3 months after card activation |
| Swiggy cashback | 10% on eligible Swiggy Food Delivery, Instamart and Dineout spends; capped at Rs 1,500 per billing cycle |
| Online cashback | 5% on eligible select online merchants and MCC-based categories; capped at Rs 1,500 per billing cycle |
| Other cashback | 1% on other eligible categories; capped at Rs 1,000 per billing cycle |
| Minimum transaction | At least Rs 249 for 10% cashback and Rs 100 for 5% or 1% cashback |
| Cashback redemption | Automatically credited against the card account outstanding in the subsequent statement |
| Mastercard golf | 12 complimentary golf lessons and 4 complimentary green-fee rounds per calendar year, plus 50% discounted green fees beyond the complimentary sessions |
| Excluded transactions | No 1% cashback on fuel, rent, wallets, jewellery, government payments, gift cards, EMI, gaming and education; additional programme exclusions apply |
| Eligibility | Salaried 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 |
Last verified 27 July 2026. Issuer terms and offers can change; confirm them before applying.
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.
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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