In-depth review
Swiggy BLCK HDFC Bank Credit Card
The premium tier of HDFC's 2026 Swiggy split — 10% cashback on the Swiggy app (capped ₹1,500/month), the best food-delivery rate going and matched only by the original ₹500 Swiggy HDFC card, plus 5% on select online under its own second ₹1,500 cap. But it carries a ₹1,000 fee with no airport lounge access at all, an unusual gap, and the Mastercard golf benefit widely credited to it appears in no HDFC document. Pair it with a lounge card and it earns its keep; lighter users are better off with the ₹500 Ornge.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹600 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10% cashback at Swiggy app — Food, Instamart, Dineout
10% cashback on Swiggy app (min ₹249), capped ₹1,500/month. Swiggy Money Wallet and Swiggy Liquor are excluded, and earning is keyed to Swiggy's MIDs/TIDs. Genie does not earn on this card.
5% cashback at named online shopping merchants
5% cashback on select online merchants (min ₹100 — the Ornge's floor is ₹249), capped ₹1,500/month in its OWN cell, not shared with the Swiggy 5%. Cleartrip and Nykaa stack instant discounts on top.
Annual Fee Waiver
Fee of ₹1,000 + 18% GST (₹1,180 all-in)/yr fully waived when you spend ₹2,00,000/year
Golf Privileges
Mastercard golf — reportedly 12 lessons and 4 green-fee rounds a year, then 50% off green fees. HDFC does not list this benefit in the card's own terms or its MITC, so treat it as unconfirmed until the bank publishes it.
🍽️ FOOD & DINING BENEFITS
This card is built for Swiggy users — here's what you get.
10.0%
Dining cashback rate
Swiggy
Co-brand partner
PARTNER PLATFORMS
- Exclusive co-brand benefits with Swiggy
- 10% cashback on dining and food delivery
- Accelerated earn on: Swiggy app — Food, Instamart, Dineout
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹0
Golf perk value
- 12 complimentary golf rounds/year at partner courses
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
10.0%
dining cashback
1.0%
Base rate (all other spends)
₹1,500
Monthly cap (accelerated)
- 10% cashback on dining
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,500/month
For heavy Swiggy users who will max the 10% app cashback (up to ₹1,500/month) AND spend enough on the listed online merchants to use the second ₹1,500 cap — and who don't need airport lounge access here.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at Swiggy app — Food, Instamart, Dineout | cashback | 10% | ₹1,500 |
| Online Shoppingonly at Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs and other select online | cashback | 5% | ₹1,500 |
| Other | cashback | 1% | ₹1,000 |
Dining: 10% cashback on Swiggy app (min ₹249), capped ₹1,500/month. Swiggy Money Wallet and Swiggy Liquor are excluded, and earning is keyed to Swiggy's MIDs/TIDs. Genie does not earn on this card. · Swiggy app — Food, Instamart, Dineout
Online Shopping: 5% cashback on select online merchants (min ₹100 — the Ornge's floor is ₹249), capped ₹1,500/month in its OWN cell, not shared with the Swiggy 5%. Cleartrip and Nykaa stack instant discounts on top. · Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs and other select online
Other: 1% cashback on all other categories, capped ₹1,000/month; credited as statement credit
Earns nothing on: Fuel · Rent · Government & Tax · Wallet Loads · EMI Conversions · Education · Online Gaming · Cash Advances · Gift Cards & Vouchers · Jewellery · SmartPay · SmartBuy portal
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,180 |
| Joining fee (incl. 18% GST) | ₹1,180 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards.
Mastercard golf — reportedly 12 lessons and 4 green-fee rounds a year, then 50% off green fees. HDFC does not list this benefit in the card's own terms or its MITC, so treat it as unconfirmed until the bank publishes it.
Should you get it?
- Best for: Heavy Swiggy users who will max the 10% app cashback, Spenders who will also fill the second ₹1,500 online cap the Ornge does not offer
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (1% back; 10% only at Swiggy app — Food, Instamart, Dineout).
Pros & cons
✓ Pros
- 10% cashback on the Swiggy app — the top food-delivery rate
- 5% on select online merchants under its OWN ₹1,500 cap, not shared with the Swiggy 5%
- ₹100 minimum on online spends, against ₹249 on the Ornge
- Complimentary Swiggy BLCK membership; cashback as statement credit
✕ Cons
- No airport lounge access — an unusual gap for a ₹1,000 premium card
- The 10% Swiggy cashback is capped at ₹1,500/month
- Fuel, rent, jewellery, government, EMI, wallet, online gaming and education fees earn no cashback
- The Mastercard golf benefit we list is not published by HDFC anywhere; treat it as unconfirmed
- The ₹75,000-in-90-days joining-fee waiver applies in the first year only
Eligibility & documents
This is the figure for salaried applicants. Where HDFC Bank sets a separate one for the self-employed, its own eligibility page gives it.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Automatic statement credit against the outstanding balance
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
No airport lounge access at all — unusual for a ₹1,000 premium card, so it can't stand alone as a travel card, and the golf benefit that supposedly compensates is unconfirmed by HDFC.
Frequently asked questions
What does the Swiggy app earn?
Does it have lounge access?
What is the welcome benefit?
How does Blck differ from Swiggy Ornge?
How has the Swiggy BLCK HDFC Bank Credit Card changed over time?
Has the Swiggy BLCK HDFC Bank Credit Card been devalued recently?
When did the Swiggy BLCK HDFC Bank Credit Card's fees last change?
How did the Swiggy BLCK HDFC Bank Credit Card change in 2025?
The bottom line
The Swiggy BLCK is the card for someone who genuinely lives on Swiggy — 10% back on the app (up to ₹1,500/month) is the best food-delivery cashback going. Its case against the Ornge rests entirely on the second, unshared ₹1,500 cap, so it only justifies the extra ₹500 if you will genuinely fill both. The glaring omission is lounge access, unusual for a ₹1,000 premium card, so pair it with a lounge card rather than expecting it to travel. A Mastercard golf benefit is widely reported for this card, but HDFC publishes it nowhere in the card's own terms — do not buy the card for it.
How this page was built
Counted from this card’s own record: 3 earn rules, 3 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Swiggy BLCK HDFC Bank Credit Card are taken from HDFC Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HDFC Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Swiggy BLCK HDFC Bank Credit Card
The premium tier of HDFC's 2026 Swiggy split — 10% cashback on the Swiggy app (capped ₹1,500/month), the best food-delivery rate going and matched only by the original ₹500 Swiggy HDFC card, plus 5% on select online under its own second ₹1,500 cap. But it carries a ₹1,000 fee with no airport lounge access at all, an unusual gap, and the Mastercard golf benefit widely credited to it appears in no HDFC document. Pair it with a lounge card and it earns its keep; lighter users are better off with the ₹500 Ornge.
Swiggy Ornge HDFC Bank Credit Card
The entry tier of HDFC's split Swiggy card — 5% cashback on the Swiggy app plus 5% on select online brands, but the two 5% streams share a single ₹1,500/month cap, then 1% elsewhere. Cashback is now direct statement credit, and a free 12-month Swiggy One membership can cover the ₹500 fee on its own. A clean, low-fee pick for a genuinely Swiggy-first spender.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · last change May 2026
2026
- ▼ FeeEffective 15 May 2026
Dynamic currency conversion markup raised to 1.75%
1% markup→1.75% markup
HDFC's MITC: "Dynamic currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas." This is separate from, and stacks on top of, the card's ordinary foreign-currency markup. It is the charge you pay for accepting a terminal's offer to bill you in rupees while abroad - always decline that offer and pay in the local currency. It also catches India-based purchases from merchants registered overseas, which is easy to trigger without leaving the country. The PIXEL MITC dates the same change 17 May 2026.
Verification: HDFC Bank ↗ · Confidence: High
- ◆ LaunchObserved 7 Mar 2026 · Effective 12 Mar 2026
Swiggy BLCK launched as the premium tier of the split Swiggy HDFC card
Single Swiggy HDFC Bank Credit Card (₹500)→Swiggy BLCK (₹1,000, premium) + Swiggy Ornge (₹500, entry)
HDFC Bank and Swiggy split their single co-branded card into two new SKUs — the premium Swiggy BLCK (₹1,000 + GST) and the entry Swiggy Ornge (₹500 + GST). The Mastercard BLCK debuts with 10% cashback across the Swiggy app (Food, Instamart, Dineout; minimum ₹249, capped ₹1,500/month), 5% on select online merchants (minimum ₹100, capped ₹1,500/month) and 1% elsewhere (capped ₹1,000/month), all paid as statement credit, plus Mastercard golf (12 lessons and 4 green-fee rounds a year) and a complimentary 3-month Swiggy BLCK membership. It carries no airport lounge access, an unusual gap at this fee. As a brand-new SKU the BLCK's history starts here — HDFC did not auto-migrate existing Swiggy cardholders, so it does not inherit the original card's 2023 launch or its 2024–2026 changes.
Verification: HDFC Bank ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Jul 2025
1% fee added on rent, wallet loads and online gaming
No category surcharge on rent, wallet loads or gaming→1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)
HDFC's MITC: "Rent Pay Transactions: W.e.f. 1st July 2025, 1% fee on transaction amount will be levied on rental transactions... Fee capped at Rs 4999 per transaction"; "Wallet Loading (excl PayZapp) - W.e.f. 1st July 2025, 1% fee will be levied on Wallet loading spends exceeding Rs 10,000 in a calendar month"; "Online Skill based Gaming - W.e.f. 1st July 2025, 1% fee... exceeding Rs 10,000 in a calendar month". These are charges on top of the fact that most HDFC cards already earn zero reward points on the same categories - you pay to spend, and earn nothing for it. PayZapp wallet loads are exempt from the wallet fee.
Verification: HDFC Bank ↗ · Confidence: High
- ▼ FeeEffective 1 Jul 2025
1% fee on utilities above Rs 50,000 and on third-party education payments
No surcharge on utility or education payments→1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps
HDFC's MITC: "Utility Charges: 1% fee will be levied on utility spends exceeding Rs 50,000 per Calendar month for consumer cards... Fee capped at Rs 4999 per month"; "Education Charges: 1% fee... on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc." Paying school or college fees DIRECTLY to the institution is not charged - only routing them through a third-party app is. A 1% fee also applies to fuel transactions above Rs 15,000.
Verification: HDFC Bank ↗ · Confidence: High
- ▼ RewardEffective 1 Jul 2025
Insurance reward points capped, online gaming stops earning
Insurance uncapped on most cards; online skill-based gaming earned points→Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing
HDFC's MITC: "With effect from 1st July 2025, Reward Points accrued for insurance transactions will have a maximum cap of... 2000 per month for all other credit cards" and "With effect from 1st July 2025, Online Skill-Based gaming transactions will not earn Reward Points/CashPoints on all the cards." Insurance premiums are a common way to hit a milestone quickly, so the cap matters more than its size suggests.
Verification: HDFC Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/hdfc-swiggy-blck#value-timeline">Swiggy BLCK HDFC Bank Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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