HDFC

Swiggy Ornge Credit Card

Good for everyday cashback on regular spend.

HDFC MASTERCARD

Swiggy Ornge

Should you get this?

Conditional fit

Partial evidence

Why this card

Up to 5% on Swiggy
You spend on swiggy.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹500) is waived only after ₹1,50,000 of eligible annual spend.

Annual fee ₹500 per year

Base cashback 1%

Lounge access — not verified

Forex markup 3.5% high

Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend1%₹1,000 per month

Swiggy (domestic)5%₹1,500 per month — shared across Swiggy (domestic) & Online partners (domestic); then 1% base

AmazonFlipkartMyntraNetflix and more — issuer list applies

Swiggy
Nykaa
ClearTrip
Book My Show
Uber
Pharmeasy
Croma
Vijay Sales
Reliance Digital
SonyLiv
Prime
Hotstar
Paytm Travel
Ixigo
Yatra
EaseMyTrip
Ibibo

5%5% at Amazon, Flipkart, Myntra, Netflix and more — issuer list applies · additional conditions apply — not fully modelled · source: 5-percent-cashback-details-swiggy-ornge-credit-card.pdfShared across Swiggy (domestic) & Online partners (domestic)

One shared ceiling applies across 2 of these categories — they draw from the same cap pool.

Redemption value

What a Cashback is worth

Cashback₹1 / pt

Annual fee break-even math

When does this card pay for itself

₹50K

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹1 per point

Cashback

Base earn

1% base cashback

Best verified lane

Amazon, Flipkart, Myntra, Netflix and more — issuer list applies

View bonus categories →

Caps

Swiggy (domestic)₹1,500 per month — shared across Swiggy (domestic) & Online partners (domestic)
Why?
then 1% base
General spend₹1,000 per month

View full earning rules →

No reward on

These spends do not earn cashback: Rent
Government payments
Education
Fuel
+5 more

See earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,50,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.
Lounge access not verified.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹6,000/year back · net +₹5,500 after ₹500 fee
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): Lounge access not verified

Rewards

Base cashback: 1% base cashback
Reward type: Cashback

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹500
Joining fee: ₹500
Fee waiver spend: ₹1,50,000 Below catalog median waiver (₹2,00,000 vs ₹1,50,000).
Interest-free period: Up to 50 days

International Use

Forex markup: 3.5% (verify with issuer)

2 sources agree · verify issuer terms before applying

Where to verify

CardInsider
Card Maven
Issuer site (verify current terms) , opens external site
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

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HDFC Bank Swiggy Ornge

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HDFC Bank Swiggy Ornge

HSBC India Live+

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HDFC Bank Swiggy Ornge

ICICI Bank Coral RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:₹1,000 per month.
Monthly cap:₹1,500 per month — shared across Swiggy (domestic) & Online partners (domestic)
After a category cap is reached, further spends earn the base rate.

Exclusions: 9

These spends do not earn cashback.

Payments

Rent
Government payments
Education

Financial

Fuel
EMI
Wallet loads

Shopping

Online gaming
Liquor

Other

Jewellery

Latest update

Annual fee: ₹500.
Forex markup currently listed at 3.5%.
Lounge access not verified.

Common questions

From verified card facts

Is this good for lounge access?

Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹1,50,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Issuer lists a welcome benefit Complimentary 12-month Swiggy One membership. Included items: Swiggy One — §2.6 + scenario table: Complimentary Swiggy One Membership for 12 months on card activation within 37 days; claim 'Swiggy One' on Swiggy app (available 2–3 days post activation). Existing One holders: extend by 12 months. Activation: transaction / OTP-IVR / PIN / enable card controls. External subscription — not cashback. OPERATOR NOTE: same PDF §2.6 also has a contradictory bullet saying '3 months' for the 37-day activation window; modelled as 12 months per lead sentence + scenario table — confirm on MITC pass.. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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