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HDFC Bank Swiggy BLCK Credit Card
Swiggy BLCK is HDFC's premium answer to its own entry-level Swiggy card, aimed at heavy Swiggy users who also want broader online shopping cashback. A steeper ₹1,000 joining fee buys a bundled Swiggy BLCK membership with priority perks, 10% cashback on Swiggy orders and 5% on major online partners like Amazon, Flipkart and Myntra — a meaningfully richer combination than the base Swiggy card, for a correspondingly higher fee.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary 3-month Swiggy BLCK membership with priority delivery slots and exclusive restaurant offers, plus 10% cashback on Swiggy Food, Instamart and Dineout
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹2,000/monthly) · Priority delivery slots during peak hours and exclusive restaurant offers unavailable to regular Swiggy users, accessible for as long as the Swiggy BLCK membership stays active
- 🛍️ Shopping
5% reward rate (capped ₹1,500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: Cashback is auto-credited as statement credit at no charge
- Foreign currency markup: 3.5%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Complimentary 3-month Swiggy BLCK membership on card activation, giving priority customer support and enhanced perks across the Swiggy app
- Priority delivery slots during peak hours and exclusive restaurant offers unavailable to regular Swiggy users, accessible for as long as the Swiggy BLCK membership stays active
Pros
- + 10% cashback across Swiggy Food, Instamart and Dineout, matching the top rate seen on HDFC's Swiggy cards
- + 5% cashback extends to major online shopping partners such as Amazon, Flipkart and Myntra
- + Complimentary 3-month Swiggy BLCK membership adds priority delivery slots and exclusive restaurant offers
- + Cashback is auto-credited without redemption hassle
- + Higher monthly caps than the base Swiggy card give more room for heavy users
Cons
- − Higher ₹1,000 fee than HDFC's base Swiggy card for a broadly similar core reward structure
- − Value narrows quickly outside Swiggy and the specific listed online partner brands
- − 3.5% forex markup makes it unsuitable for any international spend
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