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.
Swiggy Ornge HDFC Bank Credit Card
- 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
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
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.
Welcome benefit
- Complimentary Swiggy One membership for 12 monthsCard 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
- : www.hdfc.bank.in · retrieved 3 Jul 2026
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.