All cards / HDFC Bank
HDFC Bank Swiggy ORNGE Credit Card
HDFC Swiggy ORNGE is HDFC's refreshed Swiggy co-brand card, earning 5% cashback on Swiggy and a broader basket of everyday online categories — apparel, pharmacy, pet stores and more — than the original Swiggy card offered. A low, easily-waived fee and a full year of complimentary Swiggy One membership make it an attractive everyday card for frequent online shoppers and food-delivery users alike.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: Cashback is auto-credited as statement credit at no cost
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- 12-month complimentary Swiggy One membership on card activation, giving free delivery and extra discounts across the Swiggy app for a full year
- An additional 10% off, up to ₹500, on Swiggy Dineout bookings for orders of ₹3,000 or more, stacking on top of the card's regular cashback
- Access to a Mastercard golf programme, including discounted or complimentary rounds at participating golf courses
Pros
- + 5% cashback on Swiggy orders and a wider basket of everyday online categories
- + 12-month complimentary Swiggy One membership adds free delivery and extra discounts
- + Additional 10% off Swiggy Dineout bookings over ₹3,000 stacks on top of card cashback
- + Low, easily-waived annual fee on modest yearly spend
- + Mastercard golf programme access adds an unusual lifestyle perk at this fee tier
Cons
- − Only 1% cashback on spend outside the bonus categories
- − No lounge access or travel benefits, limiting appeal for frequent travelers
- − 3.5% forex markup makes it a weak choice for international spend
Related guides