Skip to content
Confused between cards? Talk to Vibhu directly. Book a 1:1 callThe Points Blueprint
Compare cards Book a Call
Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)
HDFC Bank

Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)

Up to 10% back on Swiggy Food, Instamart & Dineout

Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
NetworkMastercard
Forex markup3.5%
LoungeNone
Best forFood, Groceries & Dining
Apply on issuer site Compare
Details checked October 2026 · BLCK ₹1,000 + GST; ORNGE ₹500 + GST

01Variants

VariantFeeKey difference
Swiggy BLCK₹1,000 + GST10% on Swiggy, 5% online (separate caps)
Swiggy ORNGE₹500 + GST5% on Swiggy + online (shared ₹1,500 cap)

02Rewards

Swiggy Food, Instamart & DineoutBLCK 10% · ORNGE 5% (min. ₹249 order), capped at ₹1,500/month
Select online merchants (Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, cabs)5%, capped at ₹1,500/month (on ORNGE this shares the Swiggy cap)
All other eligible spends1%, capped at ₹1,000/month

Redemption: Cashback is credited to your statement 1:1.

03Fees, benefits & charges

Fee waiver
BLCK: renewal waived on ₹2 lakh annual spend (joining fee reversed on ₹75,000 in 90 days)
Welcome benefit
BLCK: 3-month Swiggy One BLCK membership. ORNGE: 12-month Swiggy One membership.
Airport lounges
No airport lounge access
Forex markup
3.5%
Fuel
No rewards on fuel
No rewards on
Fuel, rent, government & tax, wallet loads, EMI conversions, education, gaming, gift cards, jewellery

04Highlights & watch-outs

Highlights

  • Highest food-delivery return in the market on BLCK
  • Cashback lands straight on the statement — no points maths
  • Separate cap for online shopping on BLCK

Watch out for

  • 10% needs orders of ₹249+
  • Swiggy Money wallet, Liquor and Genie excluded
  • No lounge access on either variant

Suits: People who order on Swiggy or Instamart several times a week.

05FAQs

What is the annual fee of the Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)?
The annual fee is ₹1,000 + GST, and the joining fee is ₹1,000 + GST. BLCK: renewal waived on ₹2 lakh annual spend (joining fee reversed on ₹75,000 in 90 days)
Does the Swiggy HDFC Bank Credit Cards (BLCK & ORNGE) offer airport lounge access?
No airport lounge access
What is the forex markup on the Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)?
Fuel, rent, government & tax, wallet loads, EMI conversions, education, gaming, gift cards, jewellery.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
Similar cards

You may also compare

Swiggy BLCK / ORNGE₹1,000 + GST
Apply
0 selectedCompare
Book a call