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Credit Cards · India

Swiggy Ornge HDFC Bank Credit Card

Updated 3 Jul 2026Source-linked

The Swiggy Ornge HDFC Bank Credit Card is a mid co-branded credit card from HDFC Bank and Swiggy, with a joining fee of ₹500 + GST.

It earns up to 5% on Swiggy spends in the form of cashback.

Welcome benefit: Complimentary Swiggy One membership for 12 months.

HDFC Bank logo
Swiggy Ornge HDFC Bank Credit Card
Mastercard logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForCo-brand rewards
  • Reward TypeCashback
Rewards Rate
  • 5% on swiggy app (cap 1500 cashback inr / statement)
  • 5% on online mcc (cap 1500 cashback inr / statement)
  • Base 1.00% on other spends
Welcome Benefits
  • Complimentary Swiggy One membership for 12 months
Data verified 3 Jul 2026 — see our methodology
HDFC Bank logoHDFCMastercard logomidCo-brand · Swiggy ↗
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Rewards and Benefits

Rewards Rate
5% on swiggy app (cap 1500 cashback inr / statement)
5% on online mcc (cap 1500 cashback inr / statement)
Base 1.00% on other spends.
Reward Redemption
CashBack credited directly to the card account as statement credit, per the CashBack cycle and applicable terms.
Welcome Benefits
Complimentary Swiggy One membership for 12 months
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs 100% of this bucket qualifies

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo

    Dining & food delivery — earns base; accelerated rate needs booking via swiggy

  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr

₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded mid card by HDFC Bank and Swiggy.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,50,000.
  • Available on the Mastercard network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,50,000 spend.
  • Accelerated earn worth ≈5.0% on swiggy app.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Welcome benefit

  • Complimentary Swiggy One membership for 12 months
    Card activation completed

Accelerated rewards

  • 5% on swiggy app (cap 1500 cashback inr / statement)
    5% CashBack on all eligible Swiggy app spends (Food orders, Instamart, Dineout).
  • 5% on online mcc (cap 1500 cashback inr / statement)
    5% CashBack on eligible online MCCs (Table 2.1: Apparels, Pharmacies, Pet Stores, Personal Care, Local Cabs (Ola/Zoom/Uber), Electronics (Reliance Retail/Vijay Sales/Croma), Travel (Paytm Travel/EaseMyTrip/Ixigo/Yatra/Ibibo)). Only select merchants mapped under these MCCs qualify.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • rent
  • emi
  • wallet loads
  • jewellery
  • government

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
—
Income (salaried)
₹2,40,000 p.a.
Income (self-employed)
₹6,00,000 p.a.

Salaried: net monthly income > Rs 20,000, age 21-60. Self-employed: annual ITR > Rs 6 lakh, age 21-65.

Tagsco brandedswiggycashbackmidfood delivery