Swiggy Ornge HDFC Bank Credit Card
A Swiggy co-branded cashback card: 5% on the Swiggy app and at listed online merchants such as Amazon, Flipkart and Myntra (together up to ₹1,500 a cycle), 1% elsewhere (up to ₹1,000), credited against the statement; ₹500 fee. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| HDFC Bank runs limited-period fee offers: lifetime free for select corporates on applications from 1 April 2026, and first year free on applications from 15 April to 10 September 2026. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Swiggy app: food, Instamart and Dineout (₹249 minimum) | 5% cashback Product page | up to ₹1,500 a statement cycle (shared) Terms |
| Listed online merchants including Amazon, Flipkart and Myntra (₹249 minimum) | 5% cashback Product page | up to ₹1,500 a statement cycle (shared) Terms |
| Other categories | 1% cashback Product page | up to ₹1,000 a statement cycle Terms |
Cashback is credited automatically against the statement balance each billing cycle.
The two 5% categories share one ₹1,500 cap a cycle (cashback is capped at ₹2,500 a cycle in all). The 5% list also covers named brands such as Nykaa, Cleartrip, BookMyShow, Uber and Croma and select MCCs online; only the three named shopping categories are modelled.
No rewards on
- Fuel, rent, jewellery, government spends, gaming, education, EMI, gift cards and wallet loads Terms
Benefits
- Lounges: none on record
- Welcome: 12-month Swiggy One membership on card activation Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 5% cashback on listed brands such as Nykaa, Cleartrip, BookMyShow, Uber and Croma Terms
- 4 complimentary golf green-fee rounds a year (Mastercard golf programme) Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: net monthly income above ₹20,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the foreign-currency markup (not on the product page or card terms; the MITC fee table does not tie a figure to this card in quotable text)
- a fuel surcharge waiver
- lounge access
- a RuPay variant for UPI
Where HDFC Bank’s documents differ, and what is used
- Network: the product page offers the Mastercard World golf programme and the Swiggy BLCK terms say the Swiggy card "is offered only under Mastercard World platform"; Mastercard is recorded.
The quotes behind the figures
28 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee / Renewal Membership Fee: ₹500 + Applicable Charges”
“Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off”
“5% CashBack* on all eligible Swiggy app spends (Food orders, Instamart, and Dineout).”
“Capping of Rs.1500 per billing per cycle is applicable on eligible 5% Cashback categories with Swiggy Ornge HDFC Bank Credit Card.”
“In order to earn 5% Cashback on eligible transactions using Swiggy Ornge HDFC Bank Credit Card, the cardholder should make a minimum transaction of Rs. 249 using the card.”
“5% CashBack* on online spends across online Merchants.”
“Swiggy, Amazon, Flipkart, Myntra, Nykaa, ClearTrip, Book My Show, Uber, Pharmeasy, Croma, Vijay Sales, Reliance Digital”
“1% CashBack* on other categories.”
“*Capping of Rs. 1000 per billing cycle is applicable for 1% Cashback Categories with Swiggy Ornge HDFC Bank Credit Card”
“In order to earn 1% Cashback on eligible transactions using Swiggy Ornge HDFC Bank Credit Card, the cardholder should make a minimum transaction of Rs. 100 using the card.”
“Cashback will not be accrued for the following transactions using Swiggy Ornge HDFC Bank Credit Card Prepaid Card/Gift Card/Wallet Rent Government related transactions Gaming Education Fuel Jewellery Smartpay Smartbuy portal EMI (all type)”
“Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gaming and Education, EMI & Wallet”
“Swiggy HDFC Bank Credit Card is offered only under Mastercard World platform currently.”
“Lifetime Free offer on Swiggy Ornge HDFC Bank Credit Card is applicable for card applications starting 1st April'26.”
“This is a limited period offer applicable on card applications received through Bank's portal (digital as well as physical applications) for select corporates.”
“First Year Free offer on Swiggy Ornge HDFC Bank Credit Card is applicable for card applications starting 15th April'26 -10th September'26”
“For Swiggy Ornge HDFC Bank Credit Card, the maximum cashback that can be earned in a statement cycle is Rs 2500”
“Cashback earned for current billing cycle will be auto redeemed against outstanding amount.”
“Complimentary Swiggy One Membership for 12 months as a welcome benefit.*”
“Get 4 complimentary green-fee rounds every calendar year.”
“Popular Swiggy Ornge HDFC Bank Credit Card”
“Age: Min 21 years & Max 60 Years”
“Age :Min 21 years & Max 65 Years”
“Nationality: Indian”
“Net Monthly Income: > ₹20,000”
“Annual ITR > ₹6 lakh per annum”
“1% CashBack on other spends* TnCs Apply Apply Now”
“Link : Mastercard World Card India Golf Program | Priceless Specials”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology