Food delivery and quick commerce platform Swiggy has expanded its co-branded credit card partnership with HDFC Bank by launching two new variants—Swiggy BLCK and Swiggy Ornge—as the companies look to deepen engagement with users and capture a larger share of everyday consumer spending.

The launch builds on the Swiggy HDFC Bank Credit Card, introduced in 2023, and comes as spending on food delivery, travel, and online commerce continues to rise. With the new cards, the partners are targeting different consumer segments—from premium lifestyle spenders to frequent online shoppers—while expanding rewards across high-frequency categories.

According to the companies, the expanded portfolio could offer annual savings of up to ₹48,000 through cashback and discounts across Swiggy’s services and partner platforms.

Targeting premium and everyday spenders

The Swiggy BLCK HDFC Bank Credit Card is positioned as a premium offering, providing 10% cashback on Swiggy transactions, up to 5% cashback on select entertainment, travel, and e-commerce platforms, and 1% cashback on other spending. Cardholders will also receive a three-month Swiggy One BLCK membership.

The Swiggy Ornge HDFC Bank Credit Card, meanwhile, is designed for everyday spenders. It offers 5% cashback across Swiggy and several essential online spending categories, including travel and local transport services, along with 1% cashback on other purchases. The card also comes with a 12-month Swiggy One membership.

Expanding the rewards ecosystem

The rewards ecosystem has also been expanded through partnerships with platforms such as Cleartrip and Nykaa. Cardholders will be eligible for instant discounts and additional cashback on travel bookings and beauty purchases, including hotel and flight bookings through Cleartrip.

Phani Kishan Addepalli, co-founder and chief growth officer at Swiggy, said the move reflects evolving consumer spending patterns. “As consumers spend more across lifestyle categories, they are looking for payment solutions that deliver meaningful value. With the launch of the BLCK and Ornge cards, we are making our co-branded offering more accessible and relevant across the Swiggy ecosystem, shopping, travel, and beyond,” he said.

For HDFC Bank, the partnership is part of its broader strategy to deepen category-led credit card propositions by collaborating with digital consumer platforms. “By introducing two distinct variants, we are offering customers greater flexibility and deeper rewards across high-frequency as well as premium spending categories,” said Vidya Pradeep, head of credit and debit cards product and portfolio at HDFC Bank. 

The new cards will be rolled out in phases, with customers able to apply through the Swiggy app or HDFC Bank’s digital channels, subject to eligibility criteria.

The move also underscores how consumer internet platforms are increasingly embedding financial products into their ecosystems, using co-branded cards to drive loyalty, boost transaction volumes, and expand cross-category spending within their apps.