Swiggy Ornge HDFC Bank Credit Card
The Swiggy Ornge HDFC Bank Credit Card is HDFC and Swiggy's mid-tier co-branded cashback card.
Cashback Fit Score
96/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 5
Statement credit
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Swiggy Ornge HDFC Bank Credit Card Benefits
Swiggy Ornge HDFC Bank Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
₹2,500
Monthly cap
₹2,500
Monthly cap
Swiggy Ornge HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Swiggy Ornge HDFC Bank Credit Card has a joining fee of ₹500 and an annual fee of ₹500, waived when you spend ₹1,50,000 or more in a year.
Min transaction ₹249 to earn 5% cashback; ₹100 for 1% cashback. Self-employed eligibility: age 21–65 with ITR above ₹6 lakh/year per HDFC. Salaried: age 21–60, net monthly income above ₹20,000.
Swiggy Ornge HDFC Bank Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- 5% cashback capped at ₹1,500 per billing cycle (Swiggy + eligible online combined per HDFC T&Cs)
- 1% cashback capped at ₹1,000 per billing cycle
- No cashback on wallet loads, rent, fuel, EMI, cash advance, government transactions, jewellery
- Fee waiver spend excludes cash on call, balance transfer, and cash withdrawal
- No airport lounge access
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Swiggy Ornge HDFC Bank Credit Card FAQs
What is the annual fee for Swiggy Ornge HDFC Bank Credit Card?
The annual fee for Swiggy Ornge HDFC Bank Credit Card is ₹500. The fee is waived on annual spend above ₹1,50,000.
What is the joining fee for Swiggy Ornge HDFC Bank Credit Card?
The one-time joining fee for Swiggy Ornge HDFC Bank Credit Card is ₹500.
What are the rewards and benefits of Swiggy Ornge HDFC Bank Credit Card?
Swiggy Ornge HDFC Bank Credit Card earns direct cashback rewards credited to your statement. Reward rate ranges from 1% to 5%.
What lounge access benefits does Swiggy Ornge HDFC Bank Credit Card provide?
Swiggy Ornge HDFC Bank Credit Card does not include complimentary airport lounge access.
What is the eligibility criteria for Swiggy Ornge HDFC Bank Credit Card?
To be eligible for Swiggy Ornge HDFC Bank Credit Card, you need a minimum monthly income of ₹20,000.
What welcome and milestone benefits does the Swiggy Ornge HDFC Bank Credit Card offer?
Complimentary 12-month Swiggy One membership on activation.
How do you earn rewards with the Swiggy Ornge HDFC Bank Credit Card?
5% cashback on eligible Swiggy app spends (Food, Instamart, Dineout) — min ₹249 per txn. 5% cashback on eligible online merchant categories — min ₹249 per txn. 1% cashback on other eligible retail spends — min ₹100 per txn. Cashback auto-redeemed as statement credit each billing cycle.
What discounts and extra perks come with the Swiggy Ornge HDFC Bank Credit Card?
Mastercard golf privileges — 12 complimentary lessons and 4 green-fee rounds per year.
What are the exclusions and limits on the Swiggy Ornge HDFC Bank Credit Card?
5% cashback capped at ₹1,500 per billing cycle (Swiggy + eligible online combined per HDFC T&Cs). 1% cashback capped at ₹1,000 per billing cycle. No cashback on wallet loads, rent, fuel, EMI, cash advance, government transactions, jewellery. Fee waiver spend excludes cash on call, balance transfer, and cash withdrawal. No airport lounge access.
Is the Swiggy Ornge HDFC Bank Credit Card worth its annual fee?
The annual fee is ₹500, waived when you spend ₹1,50,000 or more in a year. At the 1% base reward rate, rewards alone cover the fee at about ₹50,000 of yearly spend. Spends in bonus categories earn up to 5% and get there sooner, within their caps.
Swiggy Ornge HDFC Bank Credit Card Eligibility
To apply for Swiggy Ornge HDFC Bank Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹20,000.
Employment type
Pros & Cons
- 5% cashback on Swiggy and eligible online categories
- 12-month complimentary Swiggy One membership
- Statement credit cashback — not locked in Swiggy wallet
- Low ₹500 fee with waiver at ₹1.5 lakh spend
- Mastercard golf privileges
- Lower income floor (₹20,000/month salaried per HDFC)
- No airport lounge access
- Tiered monthly cashback caps (₹1,500 on 5% tier + ₹1,000 on 1% tier)
- Many categories excluded from cashback
- 3.5% forex markup — poor for overseas use
- No fuel surcharge waiver
Who is this card for?
Moderate Swiggy users (roughly ₹2,000–5,000/month on the app) who also shop on eligible online merchants and want a lower fee-waiver bar than the original Swiggy HDFC card (₹1.5L vs ₹2L). Not for lounge seekers or heavy international spenders.
Quick Links
Data last updated 17 Oct 2026
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