Fees
Annual feeINR 500 + GST
Joining feeINR 500 + GST
Renewal feeINR 500 + 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 %5% on Swiggy and online categories (min ₹249/txn); 1% on all other spends
Cashback capTotal monthly cashback cap ~₹2,500
Redemption optionsStatement cashback (auto-credited)
Welcome bonusComplimentary 12-month Swiggy One membership on card approval
Lifestyle
ComplimentaryComplimentary 12-month Swiggy One membership on card approval
Special offersLaunch offer: phased rollout from March 9, 2026
Additional benefitsEntry-level variant targeting everyday Swiggy users. Minimum ₹249 per Swiggy transaction to earn 5% cashback. Part of the March 9, 2026 Swiggy × HDFC relaunch alongside the premium BLCK variant.
Digital & security
Contactlesstrue
Virtual cardtrue