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Swiggy BLCK HDFC Bank Credit Card
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Swiggy BLCK HDFC Bank Credit Card

Swiggy BLCK HDFC Bank Credit Card is a paid credit card from HDFC Bank. It is mainly useful for Food Delivery, Grocery, Shopping, Travel, Dining Out. This page explains its joining fee, annual fee, cashback and rewards, lounge access, useful platforms, pros, cons and who should consider this card.

Food Delivery Grocery Shopping
Card Details

Swiggy BLCK HDFC Bank Credit Card details at a glance

Bank
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HDFC Bank
Annual Fee
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₹ 1000, Annual fee waiver on spending above ₹ 2 Lakh in a year.
Joining Fee
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₹ 1000, Joining fee waiver on spending above ₹ 75 thousand in a year.
Joining Bonus
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Free 3-Months Swiggy BLCK Mmembership.
Best For
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Food Delivery, Grocery, Shopping, Travel, Dining Out
Cashback & Rewards
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  • 10% cashback on Swiggy (Food ordering, Instamart & Dineout) applicable on minimum transaction of ₹ 249, upto ₹ 1500/month.
  • 5% cashback on Amazon, Flipkart, Myntra, Nykaa, ClearTrip, Uber, Pharmeasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLiv, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, Netflix , BookMyShow and Ibibo applicable on minimum transaction of ₹ 100, upto ₹ 1500/month.
  • 1% cashback on other eligible spends applicable on minimum transaction of ₹ 100, upto ₹ 1000/month.
  • 5% instant discount on Nykaa
  • 6.35% Instant Discount on flight booking via Cleartrip and 20% Instant Discount on Hotel booking via Cleartrip
Perks
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No major additional perks available as per current card data.
Domestic Lounge Access
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Not Available
International Lounge Access
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Not Available
Useful Platforms
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Swiggy, Instamart, Dineout, Amazon, Flipkart, Myntra, Nykaa, Cleartrip, Uber
Apply
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Pros and Cons of Swiggy BLCK HDFC Bank Credit Card

A quick view of where this card works well and where it may not be the best fit.

Pros

✓ Useful for users who spend on Food Delivery, Grocery, Shopping, Travel, Dining Out.
✓ Works well for platforms or categories like Swiggy.
✓ Rewards and benefits are easy to compare from the card data.
✓ Good option if your focus is rewards or cashback instead of lounge access.

Cons

✗ Annual fee applies if value recovery or fee waiver is not achieved.
✗ Cashback/reward caps, exclusions and eligible merchants should be checked before applying.
✗ Not ideal if your spending is outside its main benefit categories.
✗ Final approval depends on bank policy, income, credit profile and documents.

Who Should Consider Swiggy BLCK HDFC Bank Credit Card?

This card is not for everyone. It is more useful for users with specific spending patterns.

Good Fit For

✓ Users who spend regularly on Food Delivery, Grocery, Shopping, Travel, Dining Out.
✓ Users who want card benefits aligned with their actual monthly spending.
✓ People who compare fees, rewards and benefit caps before applying.
✓ Users who can recover value from the card benefits.

May Not Be Ideal For

✗ Users whose main spending is outside this card’s benefit categories.
✗ Users looking mainly for unrelated premium travel, hotel or concierge benefits.
✗ Users who do not want to track reward caps, exclusions or terms.
✗ Users who want guaranteed approval without checking bank eligibility.

Not sure if Swiggy BLCK HDFC Bank Credit Card is best for you?

Use CardBachat AI to compare Swiggy BLCK HDFC Bank Credit Card with other cards based on your income, monthly spend, preferred platform and lounge preference.

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Frequently Asked Questions

Quick answers before you compare or apply.

Is Swiggy BLCK HDFC Bank Credit Card worth it?

Swiggy BLCK HDFC Bank Credit Card can be useful if your spending matches its main benefit categories such as Food Delivery, Grocery, Shopping, Travel, Dining Out. Always compare it with other cards before applying.

What is the annual fee of Swiggy BLCK HDFC Bank Credit Card?

As per the current CardBachat card database, the annual fee is ₹ 1000, Annual fee waiver on spending above ₹ 2 Lakh in a year.. Always verify the latest terms with the bank before applying.

Does Swiggy BLCK HDFC Bank Credit Card offer lounge access?

As per the current CardBachat data, lounge access details are shown above if available. Benefits can change, so verify the latest terms directly with the bank.

Who should apply for Swiggy BLCK HDFC Bank Credit Card?

Users who frequently spend on Food Delivery, Grocery, Shopping, Travel, Dining Out may consider this card. Users with different spending patterns should compare alternatives on CardBachat first.

Disclaimer: CardBachat provides educational credit card comparison assistance only. It does not guarantee approval, cashback, rewards, lounge access, or financial benefit. Final approval depends on bank eligibility, credit score, documents, income, bank relationship, and internal policies. We may earn a commission if you apply through affiliate links, at no extra cost to you. Read the full Disclaimer.