Food delivery platform Swiggy and private sector lender HDFC Bank have unveiled two new co-branded credit cards aimed at rewarding customers for everyday spending on food delivery, travel bookings, and online shopping. The new cards promise a wide range of cashback offers and discounts, with potential savings of up to ₹48,000 per year depending on user spending patterns.
Swiggy and HDFC Bank have expanded their partnership by launching two new co-branded credit cards designed to enhance rewards across daily spending categories such as food delivery, quick commerce, travel, and e-commerce purchases.
The newly introduced cards — the Swiggy BLCK HDFC Bank Credit Card and the Swiggy Ornge HDFC Bank Credit Card — aim to offer customers greater cashback opportunities and discounts across a wide network of partner platforms.
These cards build upon the companies’ existing co-branded credit card collaboration that was first introduced in 2023. With the addition of the two new variants, the companies aim to address the spending needs of different consumer segments while strengthening their rewards ecosystem.
According to the companies, customers who actively use the cards across multiple categories could potentially save up to ₹48,000 annually through cashback, discounts, and loyalty benefits.
The launch of the two credit cards reflects a broader strategy to cater to different types of users in India’s rapidly growing digital consumption economy.
The Swiggy BLCK HDFC Bank Credit Card is designed primarily for users who spend heavily on lifestyle categories such as dining, entertainment, travel, and online shopping.
Meanwhile, the Swiggy Ornge HDFC Bank Credit Card focuses on everyday consumers who frequently spend on routine services including food delivery, transportation, and essential online purchases.
By segmenting their offerings, Swiggy and HDFC Bank aim to ensure that cardholders can maximize rewards across their most common spending categories.
Industry experts note that co-branded credit cards have become increasingly popular among fintech and e-commerce companies as they help strengthen customer loyalty while encouraging higher platform engagement.
One of the key highlights of the newly launched cards is the range of discounts and cashback offers available through partner platforms.
Cardholders can enjoy travel-related savings through Cleartrip, a leading online travel booking platform.
The travel benefits include:
Up to 19 percent discount plus 5 percent cashback on hotel bookings through Cleartrip
6 percent discount plus 5 percent cashback on flight bookings through Cleartrip
In addition to travel benefits, users can also receive rewards when shopping on beauty and lifestyle platform Nykaa.
The offers include:
5 percent discount along with 5 percent cashback across Nykaa apps
Beyond these partnerships, the credit cards also extend cashback benefits on several major online shopping platforms, including Amazon, Flipkart, and Myntra.
These partnerships allow cardholders to earn rewards across multiple digital ecosystems, enhancing the value proposition of the cards.
The Swiggy BLCK HDFC Bank Credit Card is positioned as a premium offering aimed at consumers who frequently spend on lifestyle and digital services.
Key benefits include:
10 percent cashback on transactions made on Swiggy
Up to 5 percent cashback on selected travel, entertainment, and e-commerce platforms
1 percent cashback on other eligible transactions
In addition to cashback rewards, cardholders also receive a three-month membership of Swiggy One BLCK, the company’s premium loyalty program that offers benefits such as free deliveries and exclusive discounts.
This card is designed to attract customers who are deeply integrated into the Swiggy ecosystem and frequently use the platform for food delivery and quick commerce services.
The Swiggy Ornge HDFC Bank Credit Card targets users who frequently spend on routine purchases and digital services.
Some of its key benefits include:
5 percent cashback on Swiggy transactions
Cashback rewards across travel and ride-hailing categories
1 percent cashback on all other eligible purchases
In addition, users will receive a 12-month membership of Swiggy One, which provides various benefits including delivery fee waivers and special discounts on food and grocery orders.
This card aims to appeal to consumers who use Swiggy regularly for everyday services but may not necessarily have high lifestyle spending.
Swiggy and HDFC Bank have announced that the rollout of the new credit cards will take place in phases.
Interested customers will be able to apply through the **Swiggy mobile application or through HDFC Bank’s digital banking platforms.
However, card issuance will be subject to eligibility requirements and internal credit approval processes conducted by HDFC Bank.
The companies believe that the expanded co-branded card portfolio will help them reach a wider customer base while providing enhanced value through cashback and loyalty rewards.
The launch highlights the growing trend of partnerships between banks and digital platforms in India’s financial ecosystem.
Co-branded credit cards enable companies to integrate financial services directly into consumer platforms, creating stronger engagement and customer loyalty.
For Swiggy, the initiative strengthens its ecosystem by encouraging more users to transact through its platform. For HDFC Bank, the partnership offers access to Swiggy’s vast and growing customer base.
As digital commerce continues to expand in India, such collaborations are expected to play an increasingly important role in shaping consumer payment behavior.