Earn 10% cashback on Swiggy services, including food ordering, Instamart, Dineout, and Genie. Cashback is capped at ₹1,500 per billing cycle
Receive 5% cashback on online purchases across eligible Merchant Category Codes, with a maximum of ₹1,500 cashback per billing cycle
Enjoy a free 3-month Swiggy BLCK membership upon card activation, offering benefits like free deliveries and exclusive discounts
Report your lost card immediately to HDFC Bank’s 24-hour call center to avoid liability on any fraudulent transactions
Fees
Joining FeeComplimentary Swiggy BLCK membership for 3 months, The Joining fee is waived if you spend ₹75000 or more in 90 days on your card, as per bank policy
₹1,180
₹1,000 + GST
Annual FeeThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹1,180
₹1,000 + GST
Eligibility
Age
21-60 years
Salary
₹1L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward RedemptionA nominal fee of ₹50+ GST per successful redemption
₹50
Railway Surcharge1% of the transaction amount + GST will be charged on Railway Ticket Purchases
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment₹250 + taxes will be charged for all payments done via Cash
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10001 - ₹25000
₹800
₹25001 - ₹50000
₹1100
₹50001 - and above
₹1300
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date
No Rewards On
Gift Cards and VouchersWallet LoadsRent PaymentGovernment-related TransactionsFuel SpendsJewellery PurchasesEMI SpendsCash AdvancesForex TransactionsSmartpaySmartbuy PortalUtility Bill Payments
Excluded Spends
Cash AdvancesBalance TransferATM Cash Withdrawals
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
