Swiggy BLCK HDFC Bank Credit Card

Yes, if you spend about ₹1,100 or more a month on dining and food delivery. Below that, the CheQ AU Credit Card (AU Small Finance Bank) pays 2.5% for free. The catch: earns nothing on fuel, rent, wallet loads and government payments.

No. It costs ₹1,000 to join and ₹1,000 a year, plus GST. The ₹1,000 joining fee is waived if you spend ₹75,000 within 90 days of getting the card. From the second year, the ₹1,000 annual fee is waived if you spend ₹2 lakh in the year. Existing Swiggy HDFC Bank cardholders who switch to this card get the first year free if their old card charged a fee; if their old card was lifetime free, they pay ₹1,000 a year.

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

No complimentary airport lounge access.

No cashback on fuel, rent, government payments, wallet loads, gift and prepaid cards, jewellery, gaming, education fees, any EMI (even if you close it early), cash advances, travellers' cheques, buying foreign currency, card fees, or payments made through HDFC's SmartBuy portal or SmartPay bill payments. Swiggy Money wallet and Swiggy Liquor orders don't get the 10%. Swiggy orders under ₹249 earn nothing, and other spends need at least ₹100 per transaction. The 5% applies only to online payments at the merchants and categories HDFC Bank lists and depends on how the merchant codes the payment, so a purchase can earn 1% instead. HDFC's two current lists of 5% merchants differ slightly, so check the bank's list before counting on 5% at a particular store. Utility bills and insurance premiums paid directly earn 1%.

10% on the Swiggy app (food delivery, Instamart, Dineout) is capped at ₹1,500 a billing cycle, reached at ₹15,000 of Swiggy spend. Swiggy spends aren't one of the spend types we rate. 5% on online spends at the listed merchants and categories is capped at ₹1,500 a billing cycle, reached at ₹30,000 of spend; online spends elsewhere earn 1%. 1% on other spends is capped at ₹1,000 a billing cycle, reached at ₹1 lakh of spend.

The bank publishes a minimum income of ₹1,00,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹12 lakh a year; Indian national. Salaried: Indian national, age 21-60, net monthly income above ₹1 lakh. Self-employed: Indian national, age 21-65, income tax return above ₹12 lakh a year. HDFC Bank uses one application for its Swiggy cards and decides which one to issue, this card or the cheaper Swiggy Ornge, based on your income, credit profile and location. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.