What cashback benefits does the Swiggy HDFC Bank Credit Card offer?

The card offers 10% cashback on eligible Swiggy app transactions, 5% cashback on select online merchants, and 1% cashback on other eligible spends, subject to applicable terms and conditions. .

How can I get the renewal fee waived?

The annual renewal fee is waived if you spend ₹2 lakh or more during the membership year before the card renewal date. .

What welcome benefit do I receive with the card?

New cardholders receive a complimentary 3-month Swiggy BLCK membership as a welcome benefit after activating the card. .

How is cashback credited to my account?

The cashback earned is automatically credited as a statement credit against your outstanding card balance, as per the applicable cashback cycle. .

How do I activate my Swiggy HDFC Bank Credit Card?

You can activate your card by completing any one of the following activities, such as making your first transaction; verifying the card through OTP or IVR; setting your credit card PIN; or enabling card controls such as online or international transactions. .

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Swiggy BLCK HDFC Bank Credit Card

Features and Benefits of Swiggy BLCK HDFC Bank Credit Card

The Swiggy BLCK HDFC Bank Credit Card offers cashback on eligible spends, exclusive Swiggy benefits, Mastercard golf privileges, and convenient banking features.

Welcome Benefits

New cardholders can enjoy the following welcome benefit.

Complimentary Swiggy BLCK Membership for 3 months, subject to applicable terms and conditions.

Cashback Benefits

Earn cashback on eligible transactions across various spending categories.

Spend Category	Cashback
Swiggy App Transactions (Food, Instamart & Dineout)	Up to 10%
Select Online Merchant Transactions	Up to 5%
All Other Eligible Spends	1%

Note: Cashback is subject to eligible merchant categories, spending limits, and the card's terms and conditions.

Mastercard Golf Benefits

Enjoy exclusive golfing privileges through the Mastercard programme.

Access to participating golf courses worldwide.
Up to 12 Complimentary Golf Lessons every calendar year.
4 Complimentary Green Fee Rounds every calendar year.
50% Discount on green fees after the complimentary rounds are exhausted.

Banking Benefits

Experience greater flexibility, convenience, and security.

Convert eligible high-value purchases into SmartEMIs after the transaction.
Make fast and secure contactless payments at supported merchant terminals.
Fraud Liability Protection against unauthorised credit card transactions, subject to the bank's terms and conditions.
Enjoy the flexibility of revolving credit by paying the outstanding balance over time, subject to applicable interest charges.

Eligibility Criteria for Swiggy HDFC Bank Credit Card

To apply for the Swiggy HDFC Bank Credit Card, applicants must meet the following eligibility requirements:

Criteria	Salaried Applicants	Self-Employed Applicants
Nationality	Indian	Indian
Age	21 to 60 years	21 to 65 years
Income Requirement	Net monthly income above Rs.1 lakh	Annual income (as per ITR) above Rs.12 lakh

Documents Required for Swiggy HDFC Bank Credit Card

Applicants must submit valid identity, address, and income proof while applying for the Swiggy HDFC Bank Credit Card.

Document Type	Accepted Documents
Identity Proof	Aadhaar Card, PAN Card, Passport, Voter ID, Driving Licence, Passport-size Photographs
Address Proof	Aadhaar Card, Passport, Voter ID, Utility Bills (Electricity, Water, Gas, or Telephone), Rental Agreement
Income Proof	Salary Slips (for salaried applicants), Form 16, Income Tax Returns (ITR), Bank Statements

Fees and Charges of Swiggy BLCK HDFC Bank Credit Card

The table below outlines the joining fee, renewal fee, and other applicable charges for the Swiggy BLCK HDFC Bank Credit Card.

Particulars	Details
Joining Fee	Rs.1,000 + applicable taxes
Renewal Fee	Rs.1,000 + applicable taxes per year
Joining Fee Waiver	Spend Rs.75,000 within the first 90 days of card issuance (applicable only for the first year).
Renewal Fee Waiver	Spend Rs.2 lakh or more in a membership year before the card renewal date.
Transactions Excluded for Renewal Fee Waiver	Cash on Call, Balance Transfer, and Cash Withdrawals.
Cash Advance Fee	2.5% of the transaction amount or Rs.500, whichever is higher.
Payment Return Charges	2% of the payment amount, subject to a minimum of Rs.450.
Cash Processing Fee	Rs.100
Rewards Redemption Fee	Rs.99 per redemption request
Overlimit Charges	2.5% of the overlimit amount, subject to a minimum of Rs.550
Cashback Redemption Charges	Rs.50 per cashback redemption
Late Payment Charges	Up to Rs.100: NilRs.101 – Rs.500: Rs.100Rs.501 – Rs.1,000: Rs.500Rs.1,001 – Rs.5,000: Rs.600Rs.5,001 – Rs.10,000: Rs.750Rs.10,001 – Rs.25,000: Rs.900Rs.25,001 – Rs.50,000: Rs.1,100Above Rs.50,000: Rs.1,300

Other Details Related to Swiggy BLCK HDFC Bank Credit Card

The Swiggy BLCK HDFC Bank Credit Card also offers several convenience and security features.

Interest-Free Credit Period

Up to 50 Days Interest-Free Credit, subject to timely payment and the merchant's transaction submission.

Zero Lost Card Liability

Zero Lost Card Liability on unauthorised transactions if the lost or stolen card is reported immediately to HDFC Bank's 24x7 customer care.

Automatic Cashback Redemption

Cashback earned during the billing cycle is automatically adjusted against your outstanding credit card balance.

Minimum Transaction Requirement for Cashback

Spend at least Rs.249 on Swiggy to earn 10% cashback.
Spend at least Rs.100 to earn 5% or 1% cashback on eligible transactions.

Contactless Payments

Make fast and secure Tap & Pay transactions at contactless-enabled merchant terminals.
In India, transactions up to Rs.5,000 can be completed without entering a PIN.
Transactions of Rs.5,000 or above require PIN authentication for enhanced security.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Swiggy BLCK HDFC Bank Credit Card

What cashback benefits does the Swiggy HDFC Bank Credit Card offer?
The card offers 10% cashback on eligible Swiggy app transactions, 5% cashback on select online merchants, and 1% cashback on other eligible spends, subject to applicable terms and conditions.
How can I get the renewal fee waived?
The annual renewal fee is waived if you spend ₹2 lakh or more during the membership year before the card renewal date.
What welcome benefit do I receive with the card?
New cardholders receive a complimentary 3-month Swiggy BLCK membership as a welcome benefit after activating the card.
How is cashback credited to my account?
The cashback earned is automatically credited as a statement credit against your outstanding card balance, as per the applicable cashback cycle.
How do I activate my Swiggy HDFC Bank Credit Card?
You can activate your card by completing any one of the following activities, such as making your first transaction; verifying the card through OTP or IVR; setting your credit card PIN; or enabling card controls such as online or international transactions.

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