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HDFC Bank
Swiggy BLCK HDFC Bank Credit Card
Dining
Cashback
Online Shopping
1st Year Fee: ₹1,000* Plus Applicable Taxes
Co-branded
10% cashback on spends at Swiggy
Online Shopping
5% cashback on top online brands
Joining Benefit
Complimentary Swiggy BLCK Membership
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About Swiggy BLCK HDFC Bank Credit Card
Swiggy BLCK HDFC Bank is a co-branded credit card designed for consumers who frequently order groceries or food online through Swiggy. The card offers 10% cashback on all Swiggy spends, including Instamart, Dineout, and food ordering. Additionally, it comes with a complimentary Swiggy BLCK membership for 3 months, adding extra value for frequent Swiggy users.
Similar to its base variant, i.e., Swiggy Ornge HDFC Card, the BLCK Card also offers accelerated 5% cashback on online spends at select categories and partner merchants such as Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, etc., making it ideal to save on other online purchases as well. Apart from this, the card offers a base cashback of 1% on other spends.
Another benefit that makes this card stand out is that, in addition to the accelerated 5% cashback, cardholders can also earn up to 19% discount on travel bookings via Cleartrip and 5% discount on spends at Nykaa. The card also offers exclusive golf benefits through its Mastercard Golf Program, including 12 free golf lessons and 4 free green fees every year.
Overall, Swiggy BLCK HDFC Credit Card is a great choice for consumers seeking significant cashback on Swiggy orders and other online spends, along with lifestyle benefits like complimentary golf games.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Cashback & Discount Details
Cashback Benefits:
- 10% cashback on spends at Swiggy (Food Ordering, Instamart and Dineout), applicable on a min. transaction of Rs. 249, capped at Rs. 1,500 per month1
- 5% cashback on online spends at select categories and partner merchants, applicable on a min. transaction of Rs. 100, capped at Rs. 1,500 per month2,3
- 1% cashback on other eligible spends, applicable on a min. transaction of Rs. 100, capped at Rs. 1,000 per month4
Additional Discount5:
- 6% instant discount on travel and 19% instant discount on hotel bookings via Cleartrip
- 5% instant discount on spends at Nykaa
- Additional 10% discount (Up to Rs. 500) on Swiggy Dineout on a minimum spend of Rs. 3,000 on birthday6
Suggested Read: Best Cashback Credit Cards in India
Other Features & Benefits
Welcome Benefits:
- Complimentary Swiggy BLCK Membership for 3 months on card activation
Mastercard Golf Benefits
- 12 complimentary golf lessons every year
- 4 complimentary green fee rounds every year
- 50% discount on green fee beyond complimentary sessions
Joining Fee Waiver:
- Joining fee waiver on spending Rs. 75,000 within the first 90 days
Annual Fee Waiver
- Annual fee waiver on spending Rs. 2 Lakh in a year
Explore Best Dining Credit Cards in India!
Swiggy BLCK HDFC Bank Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 + Applicable Taxes | ||||||||||||||||||
| Annual Fee | Rs. 1,000 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You frequently order food online or dine out via Swiggy and Dineout
You prefer to shop online at partner brands like Amazon, Flipkart, Nykaa, etc.
You can spend Rs. 2 Lakh in a year to avail the annual fee waiver
You want to avail extra discount on Nykaa and Cleartrip in addition to the accelerated cashback
Eligibility Criteria
Age Requirement for Salaried: 21 to 65 years
Monthly Income for Salaried: Rs. 1 Lakh
Income for Self-employed: Annual ITR of over Rs. 12 Lakh
Paisabazaar Review
What do we like about this card?
Swiggy BLCK HDFC Bank Credit Card is a good option for consumers who frequently order groceries or food online through Swiggy. With a complimentary Swiggy BLCK Membership and 10% cashback on Swiggy spends across Dineout, food delivery, and Instamart, cardholders can maximize benefits on Swiggy. Additionally, it offers 5% cashback on select categories and partner merchants, including Amazon, Flipkart, Myntra, Cleartrip, Nykaa, and more, making it a suitable option to save on online spends as well. Overall, the card justifies its annual fee of Rs. 1,000 with decent benefits across dining, groceries, online shopping, travel, and lifestyle categories.
Pros
- Complimentary Swiggy BLCK Membership
- 10% cashback on Swiggy spends
- 5% cashback on select online spends
- Additional discounts on Nykaa & Cleartrip
- Complimentary golf games and lessons
Cons
- No complimentary lounge access benefits
- Monthly capping on both accelerated and base cashback
- No cashback on spends via HDFC SmartBuy portal
Frequently Asked Questions
Everything you need to know about this credit card
The card offers 10% cashback on Swiggy spends, 5% cashback on select online merchants like Amazon, Flipkart, Nykaa, and 1% cashback on other eligible spends. Besides this, it also offers additional discount on Nykaa and Cleartrip in addition to the accelerated cashback.
Yes, it offers up to 19% discount on Cleartrip hotel bookings, 6% on travel bookings via Cleartrip, and 5% discount on Nykaa purchases. In addition to this, it also offers additional birthday discount on Swiggy Dineout.
Yes, it offers 12 free golf lessons, and 4 complimentary green fees annually under the Mastercard Golf Program, plus a 50% discount on additional green fees.
Swiggy BLCK is the premium variant of Swiggy Ornge Card. Both offer accelerated cashback on Swiggy and online spends at partner merchants, but BLCK offers higher cashback of 10% on Swiggy spends, while Ornge offers 5%. Additionally, BLCK comes with a complimentary BLCK membership for 3 months, whereas Ornge offers a Swiggy One membership for 1 year. Both cards also offer a base cashback of 1% and complimentary golf benefits under the Mastercard Golf Program.
Salaried applicants must be 21 to 60 years old with a minimum monthly income of Rs. 1 Lakh. Self-employed applicants must be 21 to 65 years old with an annual ITR above Rs. 12 Lakh.
Yes, the card offers 5% cashback on partner merchants like Amazon, Flipkart, Myntra, Nykaa, Cleartrip, and BookMyShow, making it ideal for online shopping in addition to Swiggy orders.
The card has a joining fee and annual fee of Rs. 1,000. However, it offers joining fee waiver on spending Rs. 75,000 within the first 90 days and annual fee waiver on spending Rs. 2 Lakh in a year.
Footnotes
- Exclusions: Swiggy Money Wallet and Swiggy Liquor.
- Merchant Categories: Apparels, Pharmacies, Pet Stores, Personal Care, Travel & Hotel, Electronics, and Entertainment.
- Partner Brands: Amazon, Flipkart, Myntra, Nykaa, Ajio, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLiv, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, Goibibo, Ola, and Zoom.
- Exclusions: Prepaid Card/Gift Card/Wallet, Rent, Government related transactions, Gaming, Education, Fuel, Jewellery, Smartpay, Smartbuy portal, EMI (all type), Cash advances, Purchase of travellers’ cheques, Purchase of foreign currency and fees.
- These benefits are offered in addition to the accelerated cashback.
- The offer is applicable for a duration of 7 days (3 days prior and 3 days after the birthday).
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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