Swiggy BLCK HDFC Bank Credit Card
An upgraded edition of the Swiggy co-branded credit card tailored for heavy food ordering and Instamart power users. It boasts a higher cumulative monthly cashback ceiling, exclusive priority delivery privileges, and an enhanced dining discount on Swiggy Dineout.
Why We Recommend The Swiggy BLCK HDFC Bank Credit Card
The premium tier for frequent foodies and quick-commerce power users, delivering maximum 10% return yields.
Heavy Swiggy and Instamart spenders looking for maximum monthly cashback returns
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Swiggy BLCK HDFC Bank Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1:1 direct cashback on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Swiggy BLCK HDFC Bank Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Swiggy BLCK HDFC Bank Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
No complimentary lounge access
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Swiggy BLCK HDFC Bank Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Premium dark card aesthetic with Mastercard World / RuPay benefits
Generous monthly cashback ceiling of up to ₹3,000
Highest instant savings on Swiggy Dineout restaurant bill settlements
Pros & Cons of the Swiggy BLCK HDFC Bank Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Industry-best 10% returns on food orders and grocery delivery
- Generous 5% cashback on top-tier e-commerce shopping
- Smooth automatic cashback disbursement
Things to Consider (Cons)
- Slightly higher fee of ₹1,000 + GST
- Does not include airport lounge access
Who Can Apply for the Swiggy BLCK HDFC Bank Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Swiggy BLCK HDFC Bank Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from HDFC Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
BizBlack Metal Edition Credit Card
The business counterpart to Infinia, crafted in solid metal for entrepreneurs and corporate directors. BizBlack earns 5X rewards on enterprise expenses like cloud infrastructure, GST/advance tax, and software subscriptions, accompanied by unconditional worldwide lounge access.
BizFirst Credit Card
An entry-level commercial credit card tailored for neighborhood traders, small shop owners, and retailers. It grants up to 55 days of interest-free working capital, 3% CashPoints on business equipment EMI purchases, and full RuPay UPI support to scan vendor QR codes directly on credit.
BizGrow Credit Card
Crafted to assist growing startups, consultants, and freelance agencies with overhead expenses. BizGrow grants 10X CashPoints on business utility payments, GST filing bills, and software tools, supplemented with direct integration into SmartHub Vyapar for invoicing and sales analytics.
Ready to Apply for the Swiggy BLCK HDFC Bank Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.