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Swiggy BLCK HDFC Bank vs Swiggy ORNGE HDFC Bank: Which Card Is Better?

A side-by-side comparison of Swiggy BLCK HDFC Bank and Swiggy ORNGE HDFC Bank credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

Swiggy BLCK HDFC Bank earns more in 7 of the 7 spending profiles we tested. Choose Swiggy BLCK HDFC for heavy swiggy, instamart and dineout users. Choose Swiggy ORNGE HDFC for moderate swiggy and online spenders who want a low fee.

Spending profileSwiggy BLCK HDFCSwiggy ORNGE HDFCWinner
Balanced spender₹11,760₹9,960Swiggy BLCK HDFC (+₹1,800)
Online shopper₹17,580₹15,180Swiggy BLCK HDFC (+₹2,400)
Frequent traveller₹18,804₹16,404Swiggy BLCK HDFC (+₹2,400)
Family & groceries₹11,520₹10,320Swiggy BLCK HDFC (+₹1,200)
Foodie₹15,840₹11,040Swiggy BLCK HDFC (+₹4,800)
Daily commuter₹7,020₹5,820Swiggy BLCK HDFC (+₹1,200)
High spender₹25,566₹19,566Swiggy BLCK HDFC (+₹6,000)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

Swiggy BLCK HDFC vs Swiggy ORNGE HDFC: full comparison

FeatureSwiggy BLCK HDFC BankSwiggy ORNGE HDFC Bank
Card
Swiggy BLCK HDFC BankHDFC Bank
Swiggy ORNGE HDFC BankHDFC Bank
Annual fee₹1,000 + GST₹500 + GST
Joining fee₹1,000 + GST₹500 + GST
Fee waiverWaived on ₹2,00,000 yearly spendWaived on ₹1,50,000 yearly spend
NetworkMastercardMastercard
Amazon rewards5%5%
Flipkart rewards5%5%
Other online shopping rewards5%5%
Food delivery rewards10%5%
Dining out rewards1%1%
Groceries rewards1%1%
Flights & hotels rewards5%5%
Fuel rewards0%0%
Bills & recharges rewards0%0%
Everything else rewards1%1%
Forex markup3.5%3.5%
Lounge accessNoneNone
Reward caps10% Swiggy cashback capped at ₹1,500 per month
5% online cashback capped at ₹1,500 per month		5% Swiggy and online cashback capped at ₹1,500 per month combined
Est. yearly value: balanced spender₹11,760₹9,960
Est. yearly value: online shopper₹17,580₹15,180
Est. yearly value: frequent traveller₹18,804₹16,404
Est. yearly value: family & groceries₹11,520₹10,320
Best forHeavy Swiggy, Instamart and Dineout usersModerate Swiggy and online spenders who want a low fee
Pros
  • 10% cashback on Swiggy Food, Instamart and Dineout
  • 5% cashback on online spends across apparel, electronics, pharmacy, travel, cabs and more
  • 1% cashback on other spends
  • Joining fee waived on ₹75,000 spend in the first 90 days
  • 5% cashback on Swiggy and on online spends across many categories
  • 1% cashback on other spends
  • Low ₹500 fee, waived at ₹1.5 lakh yearly spend
Cons
  • Higher ₹1,000 fee than the old Swiggy HDFC card
  • Separate ₹1,500 monthly caps on each cashback tier
  • No rewards on fuel, rent, utilities or wallet loads
  • Only 5% on Swiggy (BLCK gives 10%)
  • Single ₹1,500 monthly cap shared by all 5% categories
  • No rewards on fuel, rent or utilities
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FAQs

Which is better, Swiggy BLCK HDFC or Swiggy ORNGE HDFC?

Swiggy BLCK HDFC Bank comes out ahead in 7 of 7 spending profiles we tested. Choose Swiggy BLCK HDFC Bank if you want a card for heavy swiggy, instamart and dineout users. Choose Swiggy ORNGE HDFC Bank if you want a card for moderate swiggy and online spenders who want a low fee.

What is the difference in annual fee between Swiggy BLCK HDFC and Swiggy ORNGE HDFC?

Swiggy BLCK HDFC Bank: ₹1,000 + GST (waived on ₹2,00,000 yearly spend). Swiggy ORNGE HDFC Bank: ₹500 + GST (waived on ₹1,50,000 yearly spend).

Which card has a lower forex markup?

Both cards charge 3.5%.

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