HDFC Bank

Swiggy Ornge HDFC Bank Credit Card

Data last verified: 24 October 2026

DiningMASTERCARD

Joining fee₹500 + GST
Annual fee₹500 + GST
Reward rate1% on most spends; 5% only at partner merchants

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Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹1,50,000 spend a year
Forex markup3.5%
Interest (APR)3.75% a month, 45% a year

Swiggy Ornge is the entry tier of the Swiggy HDFC card. Swiggy food orders, Instamart and Dineout earn 5% back, select online stores such as Amazon, Flipkart and Nykaa also earn 5%, and other spends earn 1%. The 5% rates have monthly caps.

The fee is ₹500 a year, waived when you spend ₹1,50,000 in the year.

It suits regular Swiggy users who want a low-fee cashback card; heavier Swiggy users may get more from BLCK.

Best for: Regular Swiggy users, A first cashback card.

01Swiggy Ornge HDFC Bank Credit Card Rewards and Benefits

Rewards rate: 1% on most spends; 5% only at partner merchants
Fee waived on: ₹1,50,000 spend a year
Reward redemption: Not published
Dining: 5% back only at Swiggy app, Food, Instamart, Dineout; other dining: 1% back (the normal rate)
Travel: 1% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02Swiggy Ornge HDFC Bank Credit Card Annual Fee and Charges

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST
Spend-based waiver: Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: Yes
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 1%₹200
Back each month, ₹2,400 a year₹200
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹2,400

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Online shopping only at Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online: 5% back, up to ₹1,500 a month
Dining only at Swiggy app, Food, Instamart, Dineout: 5% back, up to ₹1,500 a month
Spending ₹12,500 or more a month: the ₹590 fee is waived

Skip it if…

you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you rarely spend on Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online or Swiggy app, Food, Instamart, Dineout: the 5% rate applies only there, everything else earns 1%
you often pay in foreign currency: 3.5% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

5% back on Swiggy, Instamart and Dineout (capped monthly)
5% on select online stores (capped monthly)
1% on other spends
Low annual fee

05Pros and Cons

Pros

Simple cashback on food and online shopping
Low annual fee

Cons

Monthly caps on the 5% rates
3.5% markup on foreign spends

06How Swiggy Ornge HDFC Bank Credit Card earns Rewards

1% on most spends; 5% only at partner merchants. The normal rate is capped at ₹1,000 a month.

Earns nothing onFuelRentGovernmentWallet loadsEMIEducationOnline gamingCash withdrawalsJewelleryGift cardsSmartPaySmartBuy portal

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	1%	No cap	Anywhere else in the category
Online shopping, only at listed merchants	5%	₹1,500, shared with other bonus rates	Only at: Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select onlineTerms: 5% cashback on select online merchants, minimum ₹249 per transaction, not ₹100 (that is the BLCK's floor). Shares ONE ₹1,500 a month cap with the Swiggy-app 5%, applied once across both rows via capGroup. Cleartrip and Nykaa stack instant discounts on top of this 5% (limited period).
Dining and food delivery	1%	No cap	Anywhere else in the category
Dining and food delivery, only at listed merchants	5%	₹1,500, shared with other bonus rates	Only at: Swiggy app, Food, Instamart, DineoutTerms: 5% cashback on Swiggy app (min ₹249). Shares ONE ₹1,500 a month cap with the select-online 5%, one ceiling across both rows, not ₹1,500 each; the engine applies it once via capGroup. Swiggy Money Wallet and Swiggy Liquor are excluded, and earning is keyed to Swiggy's MIDs/TIDs.
Groceries	1%	No cap	The card's normal rate
Travel: flights, hotels, trains	1%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	1%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	1%	No cap	The card's normal rate
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	1%	No cap	The card's normal rate
Everything else	1%	No cap	The card's normal rate

Listed underDining cards Cashback cards Shopping cards

CardAdvisor tagsDiningOnline shoppingCashback

Terms on the base rate. 1% cashback on all other eligible spends (min ₹100), capped ₹1,000 a month; credited as statement credit

07Swiggy Ornge HDFC Bank Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, golf privileges.

Fuel surcharge waiver: A 1% fuel surcharge waiver (₹400 to ₹5,000 per txn, capped ₹250/statement cycle) may apply, but HDFC leaves this column blank for all three Swiggy cards in its MITC rather than stating terms, unconfirmed.
Golf privileges: Mastercard golf, reportedly 12 lessons and 4 green-fee rounds a year, then 50% off green fees. HDFC does not list this benefit in the card's own terms or its MITC, so treat it as unconfirmed until the bank publishes it.

08Swiggy Ornge HDFC Bank Credit Card Eligibility and Documents

Age: 21 to 60 years
Minimum monthly income: ₹20,000

09Recent Changes

What HDFC Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
15 May 2026	Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank	1% markup	1.75% markup
12 Mar 2026	Changed: Swiggy Ornge HDFC Bank Credit Card launched (Swiggy card split into Ornge + BLCK)Source: HDFC Bank	-	-
1 Jul 2025	Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank	No category surcharge on rent, wallet loads or gaming	1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month)
1 Jul 2025	Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank	No surcharge on utility or education payments	1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps
1 Jul 2025	Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank	Insurance uncapped on most cards; online skill-based gaming earned points	Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing

See this card's change history → · All card changes in May 2026 →

10Cards Similar to Swiggy Ornge HDFC Bank Credit Card

Swiggy Ornge HDFC Bank Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Swiggy Ornge HDFC Bank Credit Card	HSBC Live Plus Credit Card	SBI BPCL Credit Card
Joining fee	₹500 + GST	₹999 + GST	₹499 + GST
Annual fee	₹500 + GST	₹999 + GST	₹499 + GST
Rewards	1% on most spends; 5% only at partner merchants	1.5% base, up to 10% on dining	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	Not included	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Dining	Dining	Fuel

Compare with HSBC Live Plus Credit Card Compare with SBI BPCL Credit Card

11Explore More

All HDFC Bank productsEvery card, loan and account from HDFC Bank on SkyloFin Dining credit cardsEvery dining card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 24 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

How much cashback does Swiggy Ornge give?

5% on Swiggy, Instamart, Dineout and select online stores, 1% elsewhere, with monthly caps.

What is the annual fee?

₹500, waived when you spend ₹1,50,000 in a year.

What is the joining fee for the Swiggy Ornge HDFC Bank Credit Card?

The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Swiggy Ornge HDFC Bank Credit Card?

The annual fee is ₹500 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Swiggy Ornge HDFC Bank Credit CardJoining fee: ₹500 + GST

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