HDFC Bank
MC•••• •••• •••• 4242
Swiggy BLCK HDFC Bank Credit Card
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹1,000
Effective Rate
1.00%
Network
MASTERCARD
Point Value
₹1.00/pt
About Swiggy BLCK HDFC Bank Credit Card
10% cashback on Swiggy (food/Instamart/Dineout); 5% select online; 1% other. 3mo Swiggy BLCK welcome. 4 golf rounds free/year + 12 Mastercard lessons. Income ₹1L/month.
Best For
Pros & Cons
thumb_upPros
- check_circleSwiggy BLCK Membership – 3 Months
- check_circle4 Complimentary Golf Rounds/Year
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelMinimum income requirement applies
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹1,000 |
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Swiggy BLCK Membership – 3 Months
Complimentary 3-month Swiggy BLCK membership on activation.
4 Complimentary Golf Rounds/Year
4 complimentary green fee rounds per calendar year + 12 Mastercard golf lessons.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹75,000 (LIFETIME)
First year fee waived on ₹75,000 spend in 90 days.
Spend ₹2,00,000 (ANNUAL)
Renewal fee waived on ₹2,00,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹12,00,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹12,00,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Swiggy BLCK HDFC Bank Credit Card.
Ready to apply for Swiggy BLCK HDFC Bank Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.