Swiggy BLCK HDFC Bank
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Fees & waiver
Joining: ₹1,000 + applicable GST. Renewal: ₹1,000 + GST.
Renewal waiver ≥ ₹2 lakh; excludes cash-on-call, balance transfer and withdrawal. Joining waiver ₹75,000 within 90 days is not modelled.
Rewards
10% eligible Swiggy (₹1,500/cycle); 5% select online (₹1,500/cycle); 1% other eligible retail (₹1,000/cycle).
Eligibility
Indian; salaried 21–60, net monthly income > ₹1 lakh; self-employed 21–65, ITR > ₹12 lakh/year.
These are indicative criteria, not an eligibility assessment. The issuer can request documents, assess credit history and serviceability, and approve or decline at its discretion. We do not approve or process applications.
Caps, exclusions & redemption
Minimum transaction ₹249 for 10%; ₹100 for 5%/1%. Excludes fuel, rent, jewellery, government, gaming, education, gift cards, wallets, SmartPay/SmartBuy and EMI.
Automatic statement credit against non-finance outstanding.
Official issuer sources
- View issuer product page ↗
https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card - Read issuer terms 1 ↗
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-blck-hdfc-bank-credit-card/pdf/combined-tncs-ornge-and-blck.pdf
These links are direct editorial sources, not affiliate links. Issuer terms govern. Review the issuer’s latest MITC for all borrowing and transaction charges. Rewards cannot offset the cost of revolving debt reliably.