HDFC
Swiggy BLCK HDFC Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
10% Cashback on Swiggy Orders
on food orders through Swiggy redeemable as statement credit, up to ₹1,500 cashback per month
5% Cashback on Online Spends
across apps like Amazon, Flipkart, Myntra, AJIO, and many more up to ₹1,500 cashback per cycle
Best For
Shopping
Online Food Ordering
Dining
Grocery Shopping
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
12LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 10% cashback on Swiggy services, including food ordering, Instamart, Dineout, and Genie. Cashback is capped at ₹1,500 per billing cycle
- Receive 5% cashback on online purchases across eligible Merchant Category Codes, with a maximum of ₹1,500 cashback per billing cycle
- Enjoy a free 3-month Swiggy BLCK membership upon card activation, offering benefits like free deliveries and exclusive discounts
- Report your lost card immediately to HDFC Bank’s 24-hour call center to avoid liability on any fraudulent transactions
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Gift Cards and Vouchers
Wallet Loads
Rent Payment
Government-related Transactions
Fuel Spends
Jewellery Purchases
EMI Spends
Cash Advances
Forex Transactions
Smartpay
Smartbuy Portal
Utility Bill Payments
For Spends Waiver
Cash Advances
Balance Transfer
ATM Cash Withdrawals
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.50% |
Reward Redemption Fees A nominal fee of ₹50+ GST per successful redemption | ₹50 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees ₹250 + taxes will be charged for all payments done via Cash | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - ₹50000 | ₹1100 |
| ₹50001 - and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
10% Cashback on Swiggy Orders
on food orders through Swiggy redeemable as statement credit, up to ₹1,500 cashback per month
5% Cashback on Online Spends
across apps like Amazon, Flipkart, Myntra, AJIO, and many more up to ₹1,500 cashback per cycle
The smartest way to find your great credit card
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