Swiggy Ornge HDFC Bank Credit Card
The Swiggy Ornge is the entry tier created when HDFC split its Swiggy card into two — Ornge (this one, ₹500) and the premium Blck (₹1,000). It earns 5% cashback across the Swiggy app (Food, Instamart, Dineout; minimum ₹249) and 5% on select online merchants (Amazon, Flipkart, Nykaa, Cleartrip, Uber, Croma and others) — the two 5% streams share a single ₹1,500/month cap — plus 1% on all other eligible spends capped ₹1,000/month. Unlike the older Swiggy card, cashback is paid as direct statement credit (not Swiggy Money). The welcome benefit is a complimentary 12-month Swiggy One membership, and there's a birthday-week 10% Dineout offer. Cleartrip and Nykaa stack instant discounts on top of the 5%. There is no lounge access, and fuel, rent, jewellery, government payments, wallet loads, EMI and — new on the 2026 cards — online gaming and education fees all earn nothing. The ₹500 fee waives at ₹1.5 lakh of annual spend.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,200 in vouchers, points or cashback on card activation
5% on 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.
5% on 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).
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.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 5% | ₹1,500 |
| Online Shopping | cashback | 5% | ₹1,500 |
| Other | cashback | 1% | ₹1,000 |
Fees & charges
| 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.
golf
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.
fuel waiver
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.
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 Dining ( 5% back).
✓ 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
Age
21 –60 years
Min. income
₹15,000 /mo
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.
Statement credit Direct cash adjustment — no conversion
The concern 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.
The bottom line
For regular Swiggy users, the Swiggy Ornge offers a solid everyday value proposition, as 5% app cashback and an included 12-month Swiggy One membership easily justify the ₹500 annual charge. The main trade-offs are the pooled ₹1,500 monthly cap shared across all 5% spending and the lack of lounge privileges. While it serves as an efficient, low-cost choice for food delivery and partner e-commerce, casual users may find broader utility in general-purpose cashback cards.
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 verified 15 Aug 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.
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 · 5 changes · last change May 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 2 changes — 1 cut, 1 neutral
▼ Fee Effective 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
◆ Launch Effective 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. Existing single-Swiggy-card holders were not migrated — the original card continued to operate for them.
Verification: HDFC Bank ↗ · Confidence: High
2025 3 changes — 3 cuts
▼ Fee Effective 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
▼ Fee Effective 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
▼ Reward Effective 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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Source: Swiggy Ornge HDFC Bank Credit Card value timeline — CardAdvisor
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Quick summary
Type Mid credit card
Reward rate 1%–5%
Best for Regular Swiggy users who also shop the listed online brands
Joining fee ₹500
Annual fee ₹500
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 15 Aug 2026
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