In-depth review
Swiggy Ornge HDFC Bank Credit Card
The entry tier of HDFC's split Swiggy card — 5% cashback on the Swiggy app plus 5% on select online brands, but the two 5% streams share a single ₹1,500/month cap, then 1% elsewhere. Cashback is now direct statement credit, and a free 12-month Swiggy One membership can cover the ₹500 fee on its own. A clean, low-fee pick for a genuinely Swiggy-first spender.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,200 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5% cashback at Swiggy app — Food, Instamart, Dineout
5% cashback on Swiggy app (min ₹249). Shares ONE ₹1,500/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.
5% cashback at named online shopping merchants
5% cashback on select online merchants — minimum ₹249 per transaction, not ₹100 (that is the BLCK's floor). Shares ONE ₹1,500/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).
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
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.
🍽️ FOOD & DINING BENEFITS
This card is built for Swiggy users — here's what you get.
5.0%
Dining cashback rate
Swiggy
Co-brand partner
PARTNER PLATFORMS
- Exclusive co-brand benefits with Swiggy
- 5.0% return on restaurant and dining spends
- Accelerated earn on: Swiggy app — Food, Instamart, Dineout
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
dining cashback
1.0%
Base rate (all other spends)
₹1,500
Monthly cap (accelerated)
- 5.0% cashback on dining
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,500/month
For regular Swiggy users who also shop the listed online brands and want straightforward statement-credit cashback with a free Swiggy One membership — not for anyone needing lounge access.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at Swiggy app — Food, Instamart, Dineout | cashback | 5% | ₹1,500one cap shared with Online Shopping |
| Online Shoppingonly at Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online | cashback | 5% | ₹1,500one cap shared with Dining |
| Other | cashback | 1% | ₹1,000 |
Dining: 5% cashback on Swiggy app (min ₹249). Shares ONE ₹1,500/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. · Swiggy app — Food, Instamart, Dineout
Online Shopping: 5% cashback on select online merchants — minimum ₹249 per transaction, not ₹100 (that is the BLCK's floor). Shares ONE ₹1,500/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). · Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online
Other: 1% cashback on all other eligible spends (min ₹100), capped ₹1,000/month; credited as statement credit
Earns nothing on: Fuel · Rent · Government & Tax · Wallet Loads · EMI Conversions · Education · Online Gaming · Cash Advances · Gift Cards & Vouchers · Jewellery · SmartPay · SmartBuy portal
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards.
A 1% fuel surcharge waiver (₹400–₹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.
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.
Should you get it?
- Best for: Regular Swiggy users who also shop the listed online brands, Entry-tier spenders wanting simple statement-credit cashback
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (1% back; 5% only at Swiggy app — Food, Instamart, Dineout).
Pros & cons
✓ Pros
- 5% cashback on the Swiggy app (Food, Instamart, Dineout)
- 5% on select online merchants; 1% everywhere else
- Complimentary 12-month Swiggy One membership
- Cashback as direct statement credit; low ₹500 fee
✕ Cons
- The two 5% streams (Swiggy + online) share a single ₹1,500/month cap
- No lounge access
- Fuel, rent, jewellery, government, EMI, wallet and SmartBuy spends earn no cashback
- Online gaming and education fees earn nothing either — a 2026 addition the older Swiggy card escaped
- The Mastercard golf benefit we list is not published by HDFC anywhere; treat it as unconfirmed
Eligibility & documents
This is the figure for salaried applicants. Where HDFC Bank sets a separate one for the self-employed, its own eligibility page gives it.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Automatic statement credit against the outstanding balance
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The two 5% streams (Swiggy app + online) share one ₹1,500/month cap, so heavy spenders in both hit the ceiling fast and slide to the 1% base.
Frequently asked questions
How is cashback paid, and what's the monthly ceiling?
What is the welcome benefit?
How does Ornge differ from Swiggy Blck?
Do Cleartrip and Nykaa give anything beyond the 5%?
What is the fee waiver threshold?
How has the Swiggy Ornge HDFC Bank Credit Card changed over time?
Has the Swiggy Ornge HDFC Bank Credit Card been devalued recently?
When did the Swiggy Ornge HDFC Bank Credit Card's fees last change?
How did the Swiggy Ornge HDFC Bank Credit Card change in 2025?
The bottom line
The Swiggy Ornge is a sensible everyday cashback card if Swiggy is a real part of your month — 5% on the app plus a free 12-month Swiggy One membership can cover the ₹500 fee on their own. The honest limits are the shared ₹1,500 cap on the 5% streams and the absence of lounge access. For a Swiggy-first spender it's a clean, low-fee pick; for others the entry cashback field is crowded.
How this page was built
Counted from this card’s own record: 3 earn rules, 3 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Swiggy Ornge HDFC Bank Credit Card are taken from HDFC Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HDFC Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Swiggy Ornge HDFC Bank Credit Card
The entry tier of HDFC's split Swiggy card — 5% cashback on the Swiggy app plus 5% on select online brands, but the two 5% streams share a single ₹1,500/month cap, then 1% elsewhere. Cashback is now direct statement credit, and a free 12-month Swiggy One membership can cover the ₹500 fee on its own. A clean, low-fee pick for a genuinely Swiggy-first spender.
Swiggy BLCK HDFC Bank Credit Card
The premium tier of HDFC's 2026 Swiggy split — 10% cashback on the Swiggy app (capped ₹1,500/month), the best food-delivery rate going and matched only by the original ₹500 Swiggy HDFC card, plus 5% on select online under its own second ₹1,500 cap. But it carries a ₹1,000 fee with no airport lounge access at all, an unusual gap, and the Mastercard golf benefit widely credited to it appears in no HDFC document. Pair it with a lounge card and it earns its keep; lighter users are better off with the ₹500 Ornge.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · last change May 2026
2026
- ▼ FeeEffective 15 May 2026
Dynamic currency conversion markup raised to 1.75%
1% markup→1.75% markup
HDFC's MITC: "Dynamic currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas." This is separate from, and stacks on top of, the card's ordinary foreign-currency markup. It is the charge you pay for accepting a terminal's offer to bill you in rupees while abroad - always decline that offer and pay in the local currency. It also catches India-based purchases from merchants registered overseas, which is easy to trigger without leaving the country. The PIXEL MITC dates the same change 17 May 2026.
Verification: HDFC Bank ↗ · Confidence: High
- ◆ LaunchEffective 12 Mar 2026
Swiggy Ornge HDFC Bank Credit Card launched (Swiggy card split into Ornge + BLCK)
HDFC Bank and Swiggy split the single Swiggy co-brand into two new Mastercard SKUs — the entry Swiggy Ornge (₹500 + GST joining/annual) and the premium Swiggy BLCK (₹1,000). Ornge earns 5% cashback on Swiggy-app spends (Food, Instamart, Dineout; minimum ₹249 per transaction) and 5% on select online categories (travel, local cabs, electronics, apparel, personal care and more); the two 5% streams share one ₹1,500/billing-cycle cap, with 1% on other eligible spends capped ₹1,000/cycle (an effective ceiling of about ₹2,500/month). Cashback is paid as direct statement credit against the outstanding, auto-redeemed within the same cycle, and the welcome benefit is a complimentary 12-month Swiggy One membership plus a birthday-week 10% Dineout offer. Fuel, rent, jewellery, government, wallet/prepaid loads, EMI and cash-advance spends are excluded, and there is no lounge access. At launch existing Swiggy HDFC holders were not migrated and the original card kept operating; HDFC began moving them to Ornge or BLCK in September 2026.
Verification: HDFC Bank ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Jul 2025
1% fee added on rent, wallet loads and online gaming
No category surcharge on rent, wallet loads or gaming→1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)
HDFC's MITC: "Rent Pay Transactions: W.e.f. 1st July 2025, 1% fee on transaction amount will be levied on rental transactions... Fee capped at Rs 4999 per transaction"; "Wallet Loading (excl PayZapp) - W.e.f. 1st July 2025, 1% fee will be levied on Wallet loading spends exceeding Rs 10,000 in a calendar month"; "Online Skill based Gaming - W.e.f. 1st July 2025, 1% fee... exceeding Rs 10,000 in a calendar month". These are charges on top of the fact that most HDFC cards already earn zero reward points on the same categories - you pay to spend, and earn nothing for it. PayZapp wallet loads are exempt from the wallet fee.
Verification: HDFC Bank ↗ · Confidence: High
- ▼ FeeEffective 1 Jul 2025
1% fee on utilities above Rs 50,000 and on third-party education payments
No surcharge on utility or education payments→1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps
HDFC's MITC: "Utility Charges: 1% fee will be levied on utility spends exceeding Rs 50,000 per Calendar month for consumer cards... Fee capped at Rs 4999 per month"; "Education Charges: 1% fee... on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc." Paying school or college fees DIRECTLY to the institution is not charged - only routing them through a third-party app is. A 1% fee also applies to fuel transactions above Rs 15,000.
Verification: HDFC Bank ↗ · Confidence: High
- ▼ RewardEffective 1 Jul 2025
Insurance reward points capped, online gaming stops earning
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
HDFC's MITC: "With effect from 1st July 2025, Reward Points accrued for insurance transactions will have a maximum cap of... 2000 per month for all other credit cards" and "With effect from 1st July 2025, Online Skill-Based gaming transactions will not earn Reward Points/CashPoints on all the cards." Insurance premiums are a common way to hit a milestone quickly, so the cap matters more than its size suggests.
Verification: HDFC Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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