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 cashback rewards. 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 provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

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.

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HDFC Bank

Swiggy Ornge HDFC Bank Credit Card

Name: Swiggy Ornge HDFC Bank Credit Card
Brand: HDFC Bank
Price: 500 INR
Availability: InStock

The Swiggy Ornge HDFC Bank Credit Card is HDFC and Swiggy's mid-tier co-branded cashback card.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

Cashback (96/100)

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%

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(0)

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

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Cashback Spends

96/100

Dining & Food

96/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Scoring 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

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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,50,000/yr

Your Estimated Monthly Spend:₹12,500/mo

Presets:

Annual Fee 100% Waived₹1,50,000 / ₹1,50,000

🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹500 fee drops to ₹0.

Gross Rewards+₹7,500

Effective Fee₹0 (Waived)

Net Profit/Yr+₹7,500

Tips & reviews

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

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Swiggy Ornge HDFC Bank Credit Card Eligibility

Age21+ yrs – 65

Min. income₹20,000/month

CIBIL scoreCardCheck Estimate

720+

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.