Swiggy HDFC Bank Credit Card

More rewards than ever before

Welcome Benefits

  • Complimentary Swiggy BLCK membership for 3 months as a welcome benefit.*

Swiggy Benefits

  • 10% CashBack on spends across Swiggy app transactions.*

Credit Benefits

  • 5% CashBack on select online spends.*

Swiggy HDFC Bank Credit Card Benefits

Additional Benefits

Wondering if you are eligible?

Salaried

  • Nationality: Indian
  • Age: Min 21 years & Max 60 Years 
  • Net Monthly Income: > ₹1,00,000  

Self-Employed

  • Nationality: Indian
  • Age:Min 21 years & Max 65 Years
  • Annual ITR > ₹12 lakh per annum 
Swiggy HDFC Bank Credit Card Eligibility

Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Revolving Credit

Fees and Charges

 
  • Joining Fee / Renewal Membership Fee: ₹1,000 + Applicable Charges
  • Joining Fee of ₹1,000 will be waived on spending ₹75,000 in the first 90 days. (Applicable for first Year only).
  • Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
  • Exclusions for Spends of  ₹2,00,000 and above for eligibility of renewal year fee waiver are as follows:
    1. Cash on Call
    2. Balance Transfer
    3. Cash Withdrawal.

Click Here for Card Member Agreement. 

Revolving Credit

Card Details

Welcome Benefit

Swiggy BLCK Membership is a premium subscription program for Swiggy users. It is a single membership that offers unlimited benefits across restaurants and Instamart  orders on Swiggy, including free delivery and exclusive discounts from select restaurants. To get this membership, activate your Swiggy Blck HDFC Bank Credit Card.

Card Activation is done by following one or more below mentioned ways: 

  • Making a transaction using the Credit Card
  • To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions, enabling international transactions etc. 

For more details on card activation, click here.

Mastercard Golf Benefits

Please follow below link to know how to redeem the benefits – 

Interest-Free Credit Period

Get up to 50 days of interest-free period on your Swiggy BLCK HDFC Bank Credit Card Note: The interest-free period begins only once the merchant submits the charge.    

Zero Lost Card Liability

In the unfortunate event that you lose your Swiggy BLCK HDFC Bank Credit Card, you will have zero liability on any fraudulent transactions, provided you report the loss immediately to our 24-hour call centre.

Fuel Surcharge Waiver

CashBack Redemption

  • Cashback earned for current billing cycle will be auto redeemed against outstanding amount due.

For more details on Finance charges please refer to the Most Important Terms and Conditions.  

  • To earn 10% CashBack using Swiggy BLCK HDFC Bank Credit Card, the cardholder should make a minimum transaction of ₹249 using the card.  
  • To earn 5% and 1% CashBack using Swiggy BLCK HDFC Bank Credit Card, the cardholder should make a minimum transaction of ₹100 using the card.
Contactless Payment

Contactless Payment

Your Swiggy BLCK HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.  

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Credit Card PIN for security reasons.)

Additional Features

Swiggy BLCK HDFC Bank Credit Card Value Chart

Save upto 4% with Swiggy BLCK HDFC Bank Credit Card

Offers Monthly Spends Annual Savings
10% Cashback on Swiggy
(Food Ordering, Grocery and Dining Out)
10,000 12,000
5% Cashback on E-shopping
(Amazon, Book My Show, Ajio, Nykaa and More)
8,000 4,800
1% on other spends 22,000 2,640
Total 40,000 19,440
Customer Benefits 4.00%
Additional Benefit Complimentary Swiggy BLCK Membership for 3 Months
*T&Cs apply
Revolving Credit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
  • Click here for Product specific TnC
  • Click here for Combined TnCs
Revolving Credit

Frequently Asked Questions

You earn 10% CashBack on eligible Swiggy app spends, 5% CashBack on select online merchants and categories and 1% CashBack on all other categories, as per applicable terms and merchant eligibility.

You receive a complimentary 3-month Swiggy BLCK membership as a welcome benefit after activating your card.

You can activate your card through any of the following actions:

⦁ Make your first transaction using the Credit Card

⦁ Authenticate the card using OTP or IVR

⦁ Set the card PIN

⦁ Enable card controls such as online or international transactions

Once activated, your welcome benefits and rewards start applying. For more details on card activation, click here .

CashBack is automatically credited to your card account as statement credit after it is earned, subject to the CashBack cycle and applicable terms.

Spend ₹2,00,000 or more in a year before your renewal date to get your next year’s renewal fee waived.

Swiggy BLCK HDFC Bank Credit Card

  • Welcome Benefits
  • Cashback
  • Contactless Payment
Swiggy Credit Card