Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST
Interest rate3.75% per month
Late paymentINR 100 – INR 1,300 based on outstanding amount
Forex markup3.5% + GST
Cash advance2.5% of amount (minimum INR 500)
Rewards & cashback
Cashback %10% on Swiggy platform (min ₹249/txn); 5% on travel, entertainment, e-commerce; 1% on all other spends
Cashback cap₹1,500/month cap on 10% Swiggy cashback; total combined monthly cashback cap ~₹4,000
Redemption optionsStatement cashback (auto-credited)
Welcome bonusComplimentary 3-month Swiggy One BLCK membership on card approval
Lifestyle
ComplimentaryComplimentary 3-month Swiggy One BLCK membership on card approval
Special offersLaunch offer: phased rollout from March 9, 2026
Additional benefitsReplaces original Swiggy HDFC card (closed to new applicants Feb 10, 2026). Premium variant targeting heavy Swiggy users. Minimum ₹249 per Swiggy transaction to earn 10% cashback. Available via Swiggy app and HDFC Bank digital channels.
Digital & security
Contactlesstrue
Virtual cardtrue