Mastercard 📡 Contactless NFC

Swiggy Black HDFC Bank Credit Card

Joining Fee₹1,000

Annual Fee₹1,000

Forex Markup 3.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent Swiggy food orderers and online shoppers wanting 10% cashback on Swiggy, 5% on online e-commerce shopping, and 8 domestic airport lounge visits.

Who Should Avoid

Users who cannot meet the ₹75,000 quarterly spend threshold for lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary 3-month Swiggy One Membership upon payment of joining fee and realization

10% Cashback on Swiggy Spends

10% cashback on Swiggy spends (Food delivery, Instamart, Dineout, Genie) up to ₹1,500/billing cycle.

5% Cashback on Online Spends

5% cashback on online spends across 1,000+ partner e-commerce platforms (Amazon, Flipkart, Myntra, AJIO, capped at ₹1,500/cycle).

Domestic Airport Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter on min ₹75,000 quarterly spend).

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1

Standard Base Earning

1% unlimited cashback on all other eligible retail transactions (1 CashPoint = ₹1.00)

Accelerated / Partner Rate

10% cashback on Swiggy spends (Food, Instamart, Dineout, Genie), capped at ₹1,500/billing cycle; 5% cashback on online partner spends (Amazon, Flipkart, Myntra, AJIO), capped at ₹1,500/cycle

Points Validity:24 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Credit (Auto-credited as statement balance monthly)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹75,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹1,000 is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹100,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Swiggy Black HDFC Bank Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

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Frequently Asked Questions

No, Swiggy Black HDFC Bank Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).

Swiggy Black HDFC Bank Credit Card ₹1,000/yr