{
  "id": "hdfc-swiggy-blck-credit-card",
  "locale": "en",
  "name": "HDFC Swiggy Blck Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10% on Swiggy (Food/Instamart/Dineout) · 5% on 1,000+ Online Brands · 1% Base",
  "bestFor": "Swiggy food orders, Instamart groceries, Dineout reservations & 5% online shopping cashback",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 4.1,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-swiggy-blck-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Swiggy HDFC Bank Credit Card tariff schedule",
    "Swiggy Money cashback terms and online partner merchant list"
  ],
  "feeWaiver": "Waived at ₹2,00,000 annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Swiggy Ecosystem",
      "value": "10% Direct Cashback"
    },
    {
      "key": "Online Shopping",
      "value": "5% Direct Cashback"
    },
    {
      "key": "General Retail",
      "value": "1% Base Cashback"
    },
    {
      "key": "Welcome Gift",
      "value": "3 Months Swiggy One"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹2,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Swiggy App (Food, Instamart, Dineout, Genie)",
      "rate": "10.0% Direct Cashback",
      "monthlyCap": "₹1,500 / mo",
      "perLakhSpent": "₹10,000 Cashback"
    },
    {
      "category": "1,000+ Online Shopping Brands",
      "rate": "5.0% Direct Cashback",
      "monthlyCap": "₹1,500 / mo",
      "perLakhSpent": "₹5,000 Cashback"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Swiggy App Spends",
      "multiplier": "10.0%",
      "rate": "10% Direct",
      "monthlyCap": "₹1,500 / mo",
      "dailyCap": "—",
      "note": "Food, Instamart, Dineout."
    },
    {
      "channel": "Online Shopping",
      "multiplier": "5.0%",
      "rate": "5% Direct",
      "monthlyCap": "₹1,500 / mo",
      "dailyCap": "—",
      "note": "Amazon, Myntra, Uber, Flipkart."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹500 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹2,00,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "100% Direct Parity (₹1 = ₹1)",
      "minPoints": "Automatic (₹0 min)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived at ₹2 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}