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Age 21–60 · From ₹25,000/mo income · Unsecured
Shopping Partners·HDFC Bank
10% on Swiggy, Instamart and Dineout. Premium tier — worth it if Swiggy is a top spend category.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 7 benefits →Swiggy / Instamart / Dineout
10%
₹1,500/mo cashback
Online spends
5%
₹1,500/mo cashback
Other spends
1%
₹1,000/mo cashback
Dining
10%
Cap ₹1,500/mo
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HDFC Swiggy BLCK T&Cs (Jul 2026)
Amazon, Flipkart & co-branded accelerators
Source: HDFC Swiggy BLCK T&Cs (Jul 2026)
Swiggy / Instamart / Dineout
10%
Cap: ₹1,500/mo cashback
Example: ₹1,500/mo spend → ≈ ₹150/mo (max at cap)
Online spends
5%
Cap: ₹1,500/mo cashback
Example: ₹1,500/mo spend → ≈ ₹75/mo (max at cap)
Other spends
1%
Cap: ₹1,000/mo cashback
Example: ₹1,000/mo spend → ≈ ₹10/mo (max at cap)
Fee waiver at
₹2,00,000 annual spend
Annual fee ₹1,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹1,000
Annual / renewal fee
Waived on ₹2,00,000 annual spend
₹1,000
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹10,500/year. After the ₹1,000 annual fee, net value is approximately ₹10,080/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet loads.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
