SimplifyCards take:A good fit if you want a card built for swiggy, food delivery, and online shopping, and you want your rewards as simple, no-tracking cashback
✓
Best for simple cashbackBest for
10% Cashback on swiggy app transactions (food delivery, instamart, dineout, genie), auto-credited with no points to manage
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for swiggy, food delivery, and online shopping, and you want your rewards as simple, no-tracking cashbackBottom line
It offers accelerated rewards on swiggy app transactions (food delivery, instamart, dineout, genie)
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Swiggy App Transactions (Food Delivery, Instamart, Dineout, Genie) | 10% Cashback | 1,500 Cashback |
| Select Online Categories And Merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, Etc.) | 5% Cashback | 1,500 Cashback |
| Other Eligible Retail Spends | 1% Cashback | 500 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Complimentary 3-month Swiggy BLCK membership on card activation by completing at least 1 transaction of any amount within 30 days of card issuance
Additional benefits
- 4 complimentary rounds of green fees and 12 complimentary golf lessons per calendar year (Mastercard World benefit)
- 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, capped at ₹250 per statement cycle
Additional details
- Cashback is automatically adjusted against your credit card's outstanding statement balance in the subsequent billing cycle
- Minimum transaction of ₹100 required to earn cashback on eligible transactions
- Cashback is calculated and posted to your card account based on your billing cycle
Latest Updates
Recent changes to this card
Swiggy BLCK available as migration option27 Aug 2026
- Existing Swiggy HDFC Bank Credit Card holders can migrate to Swiggy BLCK to retain 10% cashback on Swiggy, along with 5% on online spends and 1% on other spends, for a ₹1,000 annual fee
- If no choice is submitted, HDFC will move cardholders to Swiggy Ornge instead
- The existing card deactivates after first use of the new card or after 60 days/card expiry, whichever comes first, and the migration cannot be reversed
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income ₹25,000 or above
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR ₹6 lakh or above
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Rent payments
- EMI transactions (including post-facto EMI conversions)
- Government-related transactions
- Jewellery purchases
- Prepaid card, gift card, and wallet loads
- SmartPay transactions
- SmartBuy portal transactions
- Cash advances / cash withdrawals
- Purchase of travellers' cheques
- Purchase of foreign currency and related fees
Featured in our guides
Category shortlists where this card appears in the top picks
Best Cashback Credit Cards in India
For people who prefer simple value back instead of managing points, miles, or voucher-heavy rewards
Best Credit Cards for Beginners in India
For first-time cardholders who want a simple, low-maintenance card with understandable fees, rewards, and limitations
Compare before you decide
Alternatives based on what you might want instead