CashbackDiningBeginner friendly

Swiggy ORNGE HDFC Bank Credit Card Review

Swiggy ORNGE HDFC Bank is best for moderate swiggy and online spenders who want a low fee. 5% cashback on Swiggy and on online spends across many categories.

Annual fee₹500 + GST
Fee waiver₹1,50,000 / year
Top reward rate5%
Forex markup3.5%
NetworkMastercard
More from HDFC BankAll HDFC Bank cards
Min. incomeNot published

Pros

  • 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

  • Only 5% on Swiggy (BLCK gives 10%)
  • Single ₹1,500 monthly cap shared by all 5% categories
  • No rewards on fuel, rent or utilities

Reward rate by category

Effective value back per ₹100 spent. Cashback credited to the card statement.

Amazon5%
Flipkart5%
Other online shopping5%
Food delivery5%
Dining out1%
Groceries1%
Flights & hotels5%
Fuel0%
Bills & recharges0%
Everything else1%

Caps, tiers & milestones

  • 5% Swiggy and online cashback capped at ₹1,500 per month combined

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender
₹3,96,000/yr spend
₹9,960
Online shopper
₹3,90,000/yr spend
₹15,180
Frequent traveller
₹8,04,000/yr spend
₹16,404
Family & groceries
₹5,88,000/yr spend
₹10,320

Use my own spends

Lounge access

None

Recent changes to this card

  1. New launch HDFC Bank

    Swiggy HDFC replaced by Swiggy BLCK and ORNGE

    BLCK (₹1,000 fee) pays 10% on Swiggy. ORNGE (₹500 fee) pays 5%.

    Swiggy BLCK HDFC · Swiggy ORNGE HDFC · Source

See all credit card changes →

Compare Swiggy ORNGE HDFC with

Cardholder reviews

Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.

Loading reviews…

Write a review of Swiggy ORNGE HDFC

Similar credit cards

HDFC Bank Millennia Credit Card

CashbackShoppingBeginner friendly
Annual fee₹1,000 + GST
RewardsUp to 5%
Forex markup3.5%
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
View details

Swiggy ORNGE HDFC Bank FAQs

What is the annual fee of the Swiggy ORNGE HDFC Bank credit card?

The Swiggy ORNGE HDFC Bank credit card has a joining fee of ₹500 and an annual fee of ₹500, plus 18% GST. The annual fee is waived if you spend ₹1,50,000 or more in a card year.

Is Swiggy ORNGE HDFC Bank a good credit card?

The Swiggy ORNGE HDFC Bank card is best for: moderate swiggy and online spenders who want a low fee. Its main strengths are: 5% cashback on swiggy and on online spends across many categories; 1% cashback on other spends. Its main drawback: only 5% on swiggy (blck gives 10%).

What is the forex markup on Swiggy ORNGE HDFC Bank?

The Swiggy ORNGE HDFC Bank card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.

Does Swiggy ORNGE HDFC Bank offer airport lounge access?

No, the Swiggy ORNGE HDFC Bank card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: not published. Sources: HDFC Bank: Swiggy ORNGE. Banks change terms often, so confirm on the HDFC Bank website before applying.
0 selectedCompare now