Swiggy Ornge HDFC Bank Credit Card
HDFC Bank logo

HDFC Bank

Swiggy Ornge HDFC Bank Credit Card

Mastercard
Co-branded

Your rating

Community rating

Best for Swiggy users and online shoppers — 5% cashback on Swiggy and select online merchants

Joining Fee

₹500

Annual Fee

₹500

Reward Rate

1% – 5%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Swiggy Ornge HDFC Bank Credit Card Benefits

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
Complimentary 12-month Swiggy One membership on activation
Cashback auto-redeemed as statement credit each billing cycle
Mastercard golf privileges — 12 complimentary lessons and 4 green-fee rounds per year
Annual fee waiver on ₹1.5 lakh annual spend

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

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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹500
Annual fee₹500
Fee waiver on annual spend₹1,50,000
Interest-free period50 days
Interest rate (APR)43.2% – 45%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverNo

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

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

Checking sign-in…

Swiggy Ornge HDFC Bank Credit Card Eligibility

Age21+ yrs – 65
Min. income₹20,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • 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)
Cons
  • 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

View on bank website

Data last updated 1 Jun 2026

All HDFC Bank credit cards →Best Cashback Cards