Swiggy Ornge HDFC Bank Credit Card
Updated on October 30, 2026
🎖️Reward Rate
Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout
Overview
Swiggy Ornge HDFC Bank is a ₹500 cashback card with 5% on Swiggy and select online spends, 1% on other spends and a free 12-month Swiggy One membership.
Rewards
Reward Type
Cashback
Reward Rate
- • Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants such as apparel, pharmacy, electronics, entertainment, travel and local cabs
- • 5% Cap: ₹1,500 a billing cycle across Swiggy and online spends together
- • Other Spends: 1%, up to ₹1,000 a billing cycle
- • Exclusions: No cashback on fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
Welcome Benefit
Complimentary Swiggy One membership for 12 months after the card is activated.
Redemption
Statement Credit: Cashback is credited to your card account as a statement credit
Benefits
- Swiggy One: 12 months free on activation
- Golf: 4 complimentary green-fee rounds and 12 free lessons a year
- Network: Mastercard World
Things to Know Before you apply
Swiggy Ornge HDFC Bank Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried applicants need a net monthly income above ₹20,000. Self-employed applicants need an annual ITR above ₹6 lakh.
- Salaried applicants aged 21 to 60 and self-employed applicants aged 21 to 65.
- Indian
Swiggy Ornge HDFC Bank Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: 022 6160 6160
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Fee waiver: Renewal fee waived on spends of ₹1.5 lakh in a year. Cash on Call, balance transfer and cash withdrawals do not count.
PaisaSimple Review
Overall Rating
3.6/5What do we like about this card?
Rated 3.6 out of 5. The Swiggy Ornge HDFC Bank Credit Card scores well for 5% cashback on Swiggy and select online merchants, paid as statement credit, for a ₹500 fee that is waived at ₹1.5 lakh. It loses marks because the 5% rate shares one ₹1,500 cap a cycle, the forex markup is 3.5% and there are no lounge visits.
Pros
- • Swiggy Cashback: 5% on food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants
- • Low Fee: ₹500, waived at ₹1.5 lakh spend
- • Swiggy One: 12 months free
Cons
- • Shared Cap: 5% cashback stops at ₹1,500 a cycle across Swiggy and online spends
- • High Forex: 3.5% markup
- • No Fuel Surcharge Waiver: Not offered on this card
- • No Lounge Access: No lounge visits listed
- • Exclusions: No cashback on fuel or rent
Frequently Asked Questions
What is the joining and annual fee of the Swiggy Ornge HDFC Bank Credit Card?
The joining fee is ₹500 plus GST. The annual fee is ₹500 plus GST. Renewal fee waived on spends of ₹1.5 lakh in a year. Cash on Call, balance transfer and cash withdrawals do not count.
What rewards does the Swiggy Ornge HDFC Bank Credit Card give?
Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout. Online Shopping: 5% on select online merchants such as apparel, pharmacy, electronics, entertainment, travel and local cabs. 5% Cap: ₹1,500 a billing cycle across Swiggy and online spends together. Other Spends: 1%, up to ₹1,000 a billing cycle. Exclusions: No cashback on fuel, rent, jewellery, government, gaming, education, EMI and wallet loads.
How do I redeem the rewards on the Swiggy Ornge HDFC Bank Credit Card?
Statement Credit: Cashback is credited to your card account as a statement credit.
Does the Swiggy Ornge HDFC Bank Credit Card give airport lounge access?
No. No lounge visits listed.
What is the forex markup on the Swiggy Ornge HDFC Bank Credit Card?
The forex markup is 3.5% of the amount spent in a foreign currency.
Who can apply for the Swiggy Ornge HDFC Bank Credit Card?
Applicants should be 21 to 65 years old. Salaried applicants aged 21 to 60 and self-employed applicants aged 21 to 65. Salaried applicants need a net monthly income above ₹20,000. Self-employed applicants need an annual ITR above ₹6 lakh. You must be an Indian national.
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- • Complimentary Swiggy One membership for 12 months after the card is activated.
- • Activation benefit worth ₹250. Not available on cards issued without a joining fee.
- • ₹1,000 cashback when you log on to the HSBC India app and spend ₹25,000 within 30 days, plus a voucher worth ₹750 for Amazon Pay, Zomato and Swiggy on a single transaction of ₹300 or more.
- • Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants such as apparel, pharmacy, electronics, entertainment, travel and local cabs
- • 5% Cap: ₹1,500 a billing cycle across Swiggy and online spends together
- • Other Spends: 1%, up to ₹1,000 a billing cycle
- • Exclusions: No cashback on fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- • Airtel Bills: 25% cashback on Airtel mobile, broadband, WiFi and DTH via the Airtel Thanks app, capped at twice your base cashback that month
- • Utility Bills: 10% cashback via the Airtel Thanks app, capped at your base cashback that month
- • Zomato, Blinkit and District Movies: 10% value back, up to ₹200 per partner a month, minimum order ₹499 on Zomato and Blinkit
- • Other Spends: 1% cashback
- • Exclusions: No cashback on fuel
- • Dining, Food Delivery, Grocery, Shopping and Utilities: 10% cashback, up to ₹1,200 a month
- • Other Spends: 1.5% unlimited cashback, with some exclusions
- • Swiggy Cashback: 5% on food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants
- • Low Fee: ₹500, waived at ₹1.5 lakh spend
- • Swiggy One: 12 months free
- • Airtel Cashback: 25% on Airtel bills
- • Utility Cashback: 10% via the Airtel Thanks app
- • Food and Movies: 10% value back on Zomato, Blinkit and District
- • Automatic Credit: Cashback goes straight to your statement
- • Category Cashback: 10% on dining, grocery, shopping and utilities
- • Unlimited Cashback: 1.5% on most other spends
- • Lower Forex: 1.99% markup
- • Lounges: 2 domestic and 1 international visit a year
- • Shared Cap: 5% cashback stops at ₹1,500 a cycle across Swiggy and online spends
- • High Forex: 3.5% markup
- • No Fuel Surcharge Waiver: Not offered on this card
- • No Lounge Access: No lounge visits listed
- • Exclusions: No cashback on fuel or rent
- • Linked Caps: Bill cashback is limited by your base cashback each month
- • Fee: ₹500 unless you spend ₹2 lakh
- • No Lounge Access: Airport lounges are not included
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances
- • Monthly Cap: 10% cashback capped at ₹1,200 a month
- • Limited Cities: Available only in select cities
- • Fee Waiver: Needs over ₹2 lakh annual spend
- • Interest: 3.75% a month on unpaid balances