HDFC BANK · CHECKED 22 OCT 2026
Swiggy BLCK HDFC Bank Credit Card
Short answer
Swiggy BLCK HDFC Bank Credit Card earns its highest rewards on Swiggy (10% back), Swiggy Instamart (10% back) and AJIO (5% back). It has a joining fee of ₹1,000 and an annual fee of ₹1,000 and pays rewards as Cashback. Fee waiver: joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year.
Key facts
| Bank | HDFC Bank |
|---|---|
| Network | Mastercard |
| Still issued? | Yes |
| Joining fee | ₹1,000 |
| Annual fee | ₹1,000 |
| Fee waiver | Joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year. |
| Rewards paid as | Cashback |
| One point is worth | — |
| How the points are used | — |
| Other ways to use the points | — |
| Checked on | 22 Oct 2026 |
Official page: HDFC Bank
Rewards in every app
| App | Reward | Min. order | Limit | Rank |
|---|---|---|---|---|
| SwiggyFood delivery | 10% back | ₹249+ | Up to ₹1,500 per statement cycle | #2 of 50 |
| Swiggy InstamartQuick commerce | 10% back | ₹249+ | Up to ₹1,500 per statement cycle | #2 of 50 |
| AJIOFashion | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #6 of 50 |
| AmazonOnline shopping | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #5 of 50 |
| BookMyShowMovies and events | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #7 of 50 |
| CleartripTravel | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #6 of 50 |
| FlipkartOnline shopping | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #7 of 50 |
| GoibiboTravel | 5% back Cardholder reports | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #4 of 50 |
| ixigoTravel | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #2 of 50 |
| MeeshoOnline shopping | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #4 of 50 |
| MyntraFashion | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #9 of 50 |
| NykaaBeauty | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #5 of 50 |
| Reliance DigitalElectronics | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #5 of 50 |
| UberCabs | 5% back | ₹100+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) | #6 of 50 |
| Airtel ThanksBills and recharges | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #15 of 50 |
| Apollo 24|7Pharmacy | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #25 of 50 |
| BigBasketGrocery | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #32 of 50 |
| BlinkitQuick commerce | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #33 of 50 |
| DistrictMovies and events | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #27 of 50 |
| Domino'sFood delivery | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #33 of 50 |
| JioMartGrocery | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #28 of 50 |
| MakeMyTripTravel | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #29 of 50 |
| PVR INOXMovies and events | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #32 of 50 |
| Tata CLiQFashion | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #26 of 50 |
| Tata NeuOnline shopping | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #26 of 50 |
| ZeptoQuick commerce | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #31 of 50 |
| ZomatoFood delivery | 1% back | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #36 of 50 |
| IRCTC Rail ConnectTrain tickets | Fee is more than the reward Cardholder reports | ₹100+ | Up to ₹1,000 per statement cycle (one limit shared with the card's other apps at this rate) | #42 of 50 |
Where other cards earn more
- Airtel Thanks:Airtel Axis earns 25% back, against 1% back on Swiggy BLCK HDFC.
- BigBasket:HSBC Live+ earns 10% back, against 1% back on Swiggy BLCK HDFC.
- Blinkit:Airtel Axis earns 10% back, against 1% back on Swiggy BLCK HDFC.
- District:Airtel Axis earns 10% back, against 1% back on Swiggy BLCK HDFC.
- Domino's:HSBC Live+ earns 10% back, against 1% back on Swiggy BLCK HDFC.
- JioMart:HSBC Live+ earns 10% back, against 1% back on Swiggy BLCK HDFC.
Questions people ask
Where does Swiggy BLCK HDFC earn the most?
Swiggy BLCK HDFC Bank Credit Card earns its highest rewards on Swiggy (10% back), Swiggy Instamart (10% back) and AJIO (5% back).
What is the annual fee of Swiggy BLCK HDFC, and can it be waived?
Swiggy BLCK HDFC has a joining fee of ₹1,000 and an annual fee of ₹1,000. Joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year.
Is Swiggy BLCK HDFC still available?
Yes, the bank still issues it to new customers.
Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.