Swiggy BLCK HDFC Bank Credit Card
HDFC Bank · Checked 2026-10-11
Swiggy BLCK HDFC Bank Credit Card is a paid card focused on straightforward cashback, dining rewards and online spending, charging ₹1,000 annually before GST.
CardIQ editorial view
Our take
Swiggy BLCK HDFC Bank Credit Card is a paid card focused on straightforward cashback, dining rewards and online spending, charging ₹1,000 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Enhanced cashback and Swiggy BLCK membership benefits on eligible purchases.
Trade-offs to understand
- Enhanced cashback and Swiggy BLCK membership benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
- The ₹1,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes enhanced cashback and swiggy blck membership benefits on eligible purchases valuable enough to clear the fee. Factor in this condition: Enhanced cashback and Swiggy BLCK membership benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- RBL Bank Jalsa — A lower-fee way to compare similar strengths in online spending and dining rewards.
- RBL Bank Cookies — A higher-fee option to compare for broader benefits around online spending and dining rewards.
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Benefits, limits and conditions
- Enhanced cashback and Swiggy BLCK membership benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹2 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.