Fees & charges
| Joining fee | ₹1,000 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,000 + applicable taxes (charged from 2nd year onwards; levied within 120 days) |
| Renewal-fee waiver | Joining fee ₹1,000 waived on ₹75,000 spend in first 90 days (year 1 only). Renewal-fee waiver spend threshold not stated in HDFC's T&C. |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout), cap ₹1,500/billing cycle, min ₹249 txn; 5% on select online merchants/categories (apparel, pharmacy, personal care, electronics, travel, cabs, etc.), cap ₹1,500/cycle; 1% on other spends, cap ₹1,000/cycle |
|---|---|
| Welcome benefit | Complimentary Swiggy BLCK membership for 3 months on card activation (extended by 3 months for existing BLCK members) |
| Lounge access | Not stated on HDFC's page |
| Key benefits | Swiggy-focused cashback card: 10% back on Swiggy (food/Instamart/Dineout), 5% on select online categories, 1% elsewhere, plus a 3-month complimentary Swiggy BLCK membership. |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active (T&C published/updated 07-04-2026; no discontinuation or application-freeze note) |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 1000MITC v4.3, fee table L614-626 | Rs.1,000 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹1000 joining Fees Waived off on spending ₹75,000 within 90 Days of Card issuance. Annual Fee starting second Year waived off on spending ₹2 Lakh /AnnumMITC v4.3, fee table L614-626 | Joining fee Rs.1,000 waived on Rs.75,000 spend in first 90 days (year 1 only). Renewal-fee waiver spend threshold not stated in HDFC's T&C. | ✓ |
| Fuel surcharge waiver | NOT STATEDMITC v4.3, fee table L614-626 | NOT STATED | |
| Forex markup | 3.5%MITC v4.3, fee table L614-626 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout), cap Rs.1,500/billing cycle, min Rs.249 txn; 5% on select online merchants/categories (apparel, pharmacy, personal care, electronics, travel, cabs, etc.), cap Rs.1,500/cycle; 1% on other spends, cap Rs.1,000/cycle | • |
| Welcome benefit | Not in MITC | Complimentary Swiggy BLCK membership for 3 months on card activation (extended by 3 months for existing BLCK members) | • |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Swiggy BLCK HDFC Bank Credit Card - Final Convenience, served daily
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