The verdict
The absolute benchmark cashback card for urban food delivery, grocery quick commerce, and e-commerce shoppers. Earning 10% on Swiggy and 5% across major online shopping apps auto-credits straight to your monthly card statement.
Spending ₹5,000/mo on Swiggy/Instamart (₹6,000/yr cashback) + ₹8,000/mo on Amazon/Uber/Myntra (₹4,800/yr cashback) + 3 months Swiggy One (₹1,199 value) easily beats the ₹500 fee to deliver over ₹11,499 in net annual cashback value (23.0× ROI).
No airport lounge access and 10% Swiggy cashback is capped at ₹1,500 per calendar month.
✓What works
- +10% direct cashback on all Swiggy app transactions (Food Delivery, Instamart, Dineout, Genie).
- +5% direct cashback on 1,000+ top online shopping merchants including Amazon, Flipkart, Myntra, Nykaa, Zara, Uber, and Ola.
- +1% flat cashback on all other eligible domestic online and offline retail transactions.
- +Cashback is automatically credited directly to your monthly credit card statement.
- +Complimentary 3-month Swiggy One membership upon card activation.
- +Annual renewal fee of ₹500 waived on spending ₹2,00,000 in the anniversary year.
✕What doesn't
- −No complimentary airport lounge access.
- −10% Swiggy cashback and 5% online shopping cashback are each capped at ₹1,500 per calendar month.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
Cashback is automatically credited directly to your credit card statement every billing month.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Swiggy App (Food, Instamart, Dineout, Genie) | 10.0% Direct Cashback | ₹1,500 / mo | ₹10,000 Cashback |
| 1,000+ Online Shopping Brands | 5.0% Direct Cashback | ₹1,500 / mo | ₹5,000 Cashback |
| All Other Domestic Retail Spends | 1.0% Flat Cashback | Uncapped | ₹1,000 Cashback |
| Fuel & Rent | 0% | Excluded | ₹0 |
Accelerated earn
10% Cashback on Swiggy + 5% on Top Online Brands
Earn top-tier cashback on food delivery, groceries, and e-commerce apps.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Swiggy App SpendsFood, Instamart, Dineout. | 10.0% · 10% Direct | ₹1,500 / mo | — |
| Online ShoppingAmazon, Myntra, Uber, Flipkart. | 5.0% · 5% Direct | ₹1,500 / mo | — |
| Fee WaiverWaived at ₹2,00,000 spend. | 100% · ₹500 Waived | 1 / year | — |
Redemption options
Earned cashback is automatically credited to your monthly credit card statement.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Statement Cash CreditBEST VALUE | 100% Direct Parity (₹1 = ₹1) | Automatic (₹0 min) | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Swiggy food delivery, Instamart grocery orders, Dineout restaurant bill payments.
- +Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, Zara online shopping.
- +3-month Swiggy One membership.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases.
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Renewal Fee | ₹500 + GST (Waived at ₹2 Lakhs spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.49% / month (41.88% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Policy Changes & Devaluation History
1 RecordSwiggy HDFC Card Relaunched as BLCK & ORNGE Variants — New Cashback Tiers
HDFC and Swiggy split the Swiggy HDFC Card into two variants: BLCK (10% cashback on Swiggy, ₹1,000+GST fee) and ORNGE (5% cashback on Swiggy and online, ₹500+GST fee). Original card closed to new issuers.
Frequently Asked Questions
Does HDFC Swiggy Blck Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC Swiggy Blck Credit Card?
What is the reward rate and point redemption value on HDFC Swiggy Blck Credit Card?
Which transactions are excluded from earning rewards on HDFC Swiggy Blck Credit Card?
Who is HDFC Swiggy Blck Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC Swiggy Blck Credit Card
The HDFC Swiggy BLCK Credit Card is the premier tier of the relaunched Swiggy credit card portfolio, introduced in March 2026 to provide premium food delivery, dining, and e-commerce cashback for high-frequency digital consumers. Issued at an annual fee of ₹500 + GST, the renewal fee is completely reversed upon spending ₹2,00,000 in qualifying retail purchases during the card anniversary year.
The BLCK edition preserves the full powerhouse earning formula: cardholders earn 10% cashback on Swiggy (Food Delivery, Instamart, and Dineout capped at ₹1,500/month), 5% cashback on 1,000+ top online shopping brands (Amazon, Flipkart, Myntra, Nykaa, Uber capped at ₹1,500/month), and 1% flat cashback on other retail spending, bundled with a complimentary 3-month Swiggy One membership.
Key Privileges and Practical Everyday Benefits
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10% Flat Cashback across Swiggy: Earn 10% cashback on food delivery, Instamart groceries, and Dineout restaurant payments (capped at ₹1,500 per month).
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5% Cashback on 1,000+ Digital Merchants: Earn 5% cashback on top e-commerce platforms including Amazon, Flipkart, Myntra, Nykaa, and Uber (capped at ₹1,500 per month).
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1% Flat Other Retail Return: Earn 1.0% cashback on all other physical POS store swipes and online retail transactions.
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Complimentary 3-Month Swiggy One: Enjoy 3 months of free food delivery and exclusive discount benefits with Swiggy One membership.
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Achievable ₹2 Lakh Spend Waiver: Reversal of the ₹500 annual renewal fee upon reaching ₹2,00,000 in qualifying retail purchases annually.
Important Terms and Spend Conditions to Keep in Mind
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Monthly Cashback Caps: Monthly caps apply strictly: ₹1,500 on Swiggy 10%, ₹1,500 on 5% online shopping, and ₹500 on 1% other retail.
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March 2026 Circular Alignment: Formally established under the March 2026 Swiggy portfolio restructuring.
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No Complimentary Airport Lounges: Does not include complimentary airport lounge access across domestic or international terminals.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero cashback.
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Swiggy Account Linking: Card must be linked to your primary Swiggy mobile number to receive cashback credit.
Who Benefits Most
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Heavy Swiggy Food & Grocery Spenders: Users ordering food or groceries multiple times weekly who easily extract the ₹1,500 monthly 10% cap.
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E-Commerce Online Shoppers: Consumers seeking high 5% cashback across a broad spectrum of 1,000+ online shopping apps.
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Young Urban Professionals: Salaried employees spending ₹2 Lakhs annually across digital lifestyle apps to achieve full fee reversal.
- HDFC Bank — Swiggy HDFC Bank Credit Card tariff schedule
- Swiggy Money cashback terms and online partner merchant list
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).