Swiggy Ornge HDFC Bank Credit Card Review: 5% Back for ₹500 a Year

The Swiggy Ornge HDFC Bank Credit Card, launched in March 2026 to replace the original Swiggy HDFC card, pays 5% cashback on the Swiggy app and a long list of online brands, up to ₹1,500 a billing cycle, and 1% elsewhere up to ₹1,000. It costs ₹500 plus GST, and the fee from the second year is waived on ₹1.5 lakh of yearly spends.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST. Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum
Base reward: 1% cashback on other eligible spends, capped at ₹1,000 per billing cycle (about 1% value)
Best category: Swiggy app and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs: about 5% value
Lounge: Domestic: None stated International: None stated
Forex markup: 3.5% of the amount
Network: Mastercard

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A simple, low-fee cashback card for Swiggy users and online shoppers, as long as you stay under the ₹1,500 cap on 5% cashback.

Best for

Regular Swiggy, Instamart and Dineout users
Salaried applicants earning above ₹20,000 a month
Online shoppers who want cashback credited straight to the statement

Skip it if

You want airport lounges, as HDFC lists none for this card
You spend often in foreign currency, where the markup is 3.5%
Your 5% category spends run well beyond ₹30,000 a cycle

Highlights

Joining fee ₹500 plus GST
5% cashback up to ₹1,500 a billing cycle
1% cashback up to ₹1,000 a billing cycle
Annual fee from year two waived on ₹1.5 lakh
12-month Swiggy One membership on activation

Swiggy Ornge, the card that replaces the old Swiggy HDFC card

Swiggy and HDFC Bank launched two new co-branded cards in March 2026, Swiggy Ornge and Swiggy BLCK, according to a press release carried by Business Standard on 12 March 2026. Ornge is the cheaper of the two and the one this page cover. It is active and open for applications.

If you hold the original Swiggy HDFC Bank card, this matters to you directly. HDFC's upgrade FAQ, published on 3 November 2026, says the old card is being phased out and cannot be kept. Holders are being moved to Ornge or BLCK in phases until March 2027, and anyone who don't respond is migrated to Ornge.

The card in four facts

5% cashback on the Swiggy app (food, Instamart and Dineout) and a long list of online brands and categories, up to ₹1,500 a billing cycle.
1% on other eligible spends, up to ₹1,000 a billing cycle, so at most ₹2,500 a statement.
₹500 plus GST to join; from the second year the ₹500 annual fee go away on ₹1.5 lakh of yearly spends.
Cashback is credited straight against your statement balance, no points to convert.

HDFC's 15 May 2026 change to points counting does not touch Ornge, since it pays rupee cashback. The 1.75% markup on rupee payments abroad and the ₹199 card replacement fee from that date do apply. HDFC's product page lists Mastercard golf benefits, which point to the Mastercard network, though the page doesn't say it outright. We have not reviewed Swiggy BLCK in full.

Swiggy Ornge fees and charges

HDFC publishes Ornge's fees only in its MITC, there's no separate fees page. The joining fee is ₹500 plus GST, or ₹590 at 18% (₹500 plus ₹90), billed on the 120th day after issue. From the second year the ₹500 annual fee is waived if you spend ₹1.5 lakh in a year. That's ₹12,500 a month (₹1,50,000 divided by 12), which is not a big ask if Swiggy and online shopping already goes on this card. Add-on cards are free.

If you pay late or revolve

Interest is 3.75% a month, 45% a year, plus GST. Even a small ₹10,000 balance left for 45 days cost about ₹555 (45 times ₹10,000 times 45%, divided by 365), more than a full month of cashback for most light users. The late fee is set by the bill: ₹500 on ₹501 to ₹1,000, ₹750 on ₹5,001 to ₹10,000, rising to ₹1,300 above ₹50,000, plus GST, once 3 days pass after the due date with the minimum unpaid.

Cash, forex and other charges

Cash withdrawal: 2.5% or ₹500, whichever is more. On ₹5,000 the 2.5% is only ₹125, so you pay the ₹500 minimum, and interest from the same day.
Forex markup: 3.5% plus GST on foreign currency spends, and 1.75% on rupee payments to overseas-registered merchants.
Fuel: no surcharge waiver on this card and no cashback.
Bank-wide 1% fees: rent; wallet loads beyond ₹10,000 a month; online gaming beyond ₹10,000 a month; utility totals beyond ₹50,000 a month; education through third-party apps; single fuel bills beyond ₹15,000. Every one stop at ₹4,999.
Over-limit: 2.5%, minimum ₹550, only with your opt-in. Replacement card: ₹199.

Swiggy Ornge: fees and charges

Joining fee	₹500 + GST
Annual or renewal fee	₹500 + GST
Annual fee waiver	Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	₹500 joining fee; annual fee from the second year waived on ₹1.5 lakh annual spends (MITC)
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	3.5% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

How Ornge cashback works, with three spenders

The 5% list is long. It covers all eligible Swiggy app spends (food orders, Instamart and Dineout) plus Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip and ibibo, and whole merchant categories like apparel, pharmacy, pet care, personal care, travel and hotels and electronics. The 5% is capped at ₹1,500 a billing cycle, which you reach at ₹30,000 of such spends (₹1,500 divided by 5%).

Everything else eligible earns 1%, capped at ₹1,000 a cycle. Nothing is earned on fuel, rent, wallet loads, jewellery, government payments, gift cards, EMI, gaming or education. Swiggy Money wallet and Swiggy Liquor is left out of the 5%.

There's no conversion step: one rupee of cashback is one rupee off your bill, and HDFC states no redemption fee and no expiry for it. That's a real edge over Millennia, which charge ₹50 plus GST each time. The welcome benefit is a 12-month Swiggy One membership on activation, and Mastercard golf adds 12 free lessons and 4 green-fee rounds a calendar year.

Each month	Light ₹12,000	Typical ₹30,000	Heavy ₹70,000
5% categories	₹5,000 gives ₹250	₹16,000 gives ₹800	₹36,000 gives ₹1,500 (capped)
Other spends at 1%	₹7,000 gives ₹70	₹14,000 gives ₹140	₹34,000 gives ₹340
Cashback a month	₹320	₹940	₹1,840
Cashback a year	₹3,840	₹11,280	₹22,080
Fee from year two	₹590	Waived	Waived

Light: ₹3,000 of food orders and ₹2,000 of Instamart earn ₹250, other spends ₹70, so ₹320 a month and ₹3,840 a year. But ₹12,000 times 12 is ₹1,44,000, just under ₹1.5 lakh, so the ₹590 fee applies and the net is ₹3,250. Put ₹500 more a month on the card and the waiver is yours.

Typical: ₹8,000 on Swiggy and Instamart, ₹6,000 on Amazon and Myntra and ₹2,000 on Uber make ₹16,000 at 5%, which is ₹800. Add ₹140 from the rest for ₹940 a month and ₹11,280 a year, fee waived.

Heavy: 5% of ₹36,000 would be ₹1,800, but the cap hold it to ₹1,500, so the last ₹6,000 is better on another card. With ₹340 from 1% spends it's ₹1,840 a month, ₹22,080 a year, inside the ₹2,500 statement limit.

Swiggy Ornge: higher-reward categories

Category	Rate	Cap
Swiggy app (food, Instamart, Dineout) and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs	5% cashback, about 5% value	Capping of Rs.1500 per billing per cycle is applicable on eligible 5% Cashback categories, billing cycle

Swiggy Ornge: how rewards work

Earned as	Cashback (credited against the card statement balance)
Base rate	1% cashback on other eligible spends, capped at ₹1,000 per billing cycle. About 1% value back
Minimum spend rules	Not published by the bank
No rewards on	Fuel (MCC 5172, 5541, 5542, 5983) Rent (6513) Wallet (6540) Jewellery (5094, 5944) Government related transactions Gift cards (5947) EMI Gaming (7995) Education (8299) Swiggy Money wallet and Swiggy Liquor (excluded from 5%)
Lower rewards on	None published
Value of a point	Statement credit: Cashback is credited against the outstanding balance in the card statement
Redemption fee	None stated (cashback auto-credited to the statement)
Expiry	Not published by the bank
Welcome benefits	Complimentary 12-month Swiggy One membership on activation
Milestone benefits	Annual fee waiver from the second year on ₹1.5 lakh annual spends
Lounge access	Domestic: None stated International: None stated
Fuel surcharge waiver	Fuel surcharge waiver not applicable; no cashback on fuel
Insurance cover	Not published by the bank

Eligibility and how to get Swiggy Ornge

Ornge has the lowest income bar of the six HDFC cards we review in this section; Millennia, the next lowest, asks ₹25,000. Salaried applicants should be 21 to 60 with net monthly income above ₹20,000. For self-employed people the age band is 21 to 65 and the yearly ITR should be above ₹6 lakh. You need to be an Indian national.

HDFC doesn't publish a document list for this card, so plan on the usual identity, address and income proof; HDFC Bank customers may not have to provide them again. New applicants can apply online from the card page or at a branch. Existing Swiggy HDFC cardholder doesn't apply at all: the bank's upgrade FAQ moves them across in phases until March 2027.

How a co-brand card is decided

HDFC, not Swiggy, decides who gets the card. Under the RBI's 2025 card Directions, the partner only markets and distributes it and cannot see your transaction data.
HDFC is also liable for delivering the advertised cashback on time, so a missing credit is a complaint for the bank.
The bank checks your own income and existing limits. Experian sees above 750 as generally good, CRIF above 700.
A rejection have to come with the specific reasons in writing.

Approval is entirely HDFC's call. HDFC also issues cards against a fixed deposit, with no income proof or credit score needed, a limit of 90% of the deposit and a minimum FD of ₹15,000.

Swiggy Ornge: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Net monthly income above ₹20,000
Income (self-employed)	Annual ITR above ₹6 lakh
Other conditions	Indian nationals
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Swiggy Ornge versus three food and online cashback cards

Food delivery cards come in three flavours: wide 5% lists like Ornge, short merchant lists like Millennia, and big category rates with small caps. Here's how they stacks up.

HDFC Millennia

Millennia costs ₹1,000 plus GST, waived at ₹1 lakh. Its 5% covers ten merchants including Swiggy, Zomato, Amazon and Flipkart, capped at 1,000 CashPoints a calendar month, with 1% elsewhere capped the same. It adds a ₹1,000 voucher or lounge visit on ₹1 lakh a quarter, but each statement redemption costs ₹50 plus GST.

HSBC Live+

Live+ costs ₹999 plus GST, reversed above ₹2 lakh of yearly spend. It pays 10% on dining, food delivery, grocery, shopping and utilities, capped at ₹1,200 a month, so the cap fills at ₹12,000 (₹1,200 divided by 10%). Other spends get 1.5% without cap, though Amazon, Flipkart and Myntra count at 1.5% too. Forex is 1.99%, but it needs ₹6 lakh a year salary and a listed city.

Kotak Cashback+

Cashback+ has a ₹750 plus GST fee, waived on ₹2 lakh. It gives 5% on online food delivery, online grocery and online entertainment, and 3% on fuel, all sharing a cap of ₹750 a billing cycle, with 0.5% elsewhere. Its minimum redemption goes from 100 to 500 points on 1 December 2026.

Picking between them

Swiggy Ornge: a wide 5% list and the biggest cap of the four, ₹1,500 a cycle.
Millennia: if you want a quarterly voucher or a lounge visit and spend ₹1 lakh a quarter.
Live+: if dining and groceries under ₹12,000 a month and a lower forex rate matters.
Cashback+: if you want fuel included and spend less overall.

Compare more on our best credit cards guide, the HDFC Bank card hub, the HDFC Bank customer care page or the main credit cards page.

Swiggy Ornge against similar cards

Term	Swiggy Ornge HDFC Bank Credit Card This card	Millennia Credit Card	HSBC Live+ Credit Card	Kotak Cashback+ Credit Card
Bank	HDFC Bank	HDFC Bank	HSBC India	Kotak Mahindra Bank (Kotak)
Joining fee	₹500 + GST	₹1,000 + GST	₹999 + GST	₹750 + GST
Annual fee and waiver	₹500 + GST. Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum	₹1,000 + GST. Renewal fee waived on spending ₹1 lakh or more in a year before renewal date.	₹999 + GST. Annual fee, including GST, fully reversed if total eligible spend across primary and add-on cards in the anniversary year exceeds Rs 2,00,000	₹750 + GST. Annual fee waived on minimum retail spend of ₹2 lakh in a year
Base reward	1% cashback on other eligible spends, capped at ₹1,000 per billing cycle (about 1% value)	1% CashBack on other spends... (about 1% value)	1.5% unlimited cashback on most other spends (exclusions apply) (about 1.5% value)	Unlimited 0.5% cashback on other eligible spends (about 0.5% value)
Best category	Swiggy app and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs: about 5% value	Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, non-EMI spends: about 5% value	Dining, food delivery, grocery, shopping and utility spends: about 10% value	Online food delivery and online grocery: about 5% value
Lounges	Domestic: None stated International: None stated	Domestic: No standing complimentary lounge access since 1 Dec 2023; 1 domestic lounge access can be chosen instead of the ₹1,000 voucher on the quarterly milestone International: None	Domestic: 2 complimentary domestic lounge visits a year, limited to 1 visit every 6 months International: 1 complimentary international lounge visit a year (from 1 September 2026)	Not published by the bank
Forex markup	3.5% of the amount	3.5% of the amount	1.99% of the amount	3.5% of the amount
Network	Mastercard	Not stated by the bank	Visa	Visa, RuPay
Published minimum income	₹20,000 a month	₹25,000 a month	₹50,000 a month	Not published by the bank
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What is the Swiggy Ornge HDFC card fee and how is it waived?

The joining fee is ₹500 plus GST, or ₹590 at 18%. From the second year, the ₹500 annual fee is waived if you spend ₹1.5 lakh in a year, which works out to ₹12,500 a month. Add-on cards are free. HDFC publishes these fees in its MITC, as the card has no separate fees page.

How does Swiggy Ornge cashback work?

You get 5% cashback on eligible Swiggy app spends and listed online merchants and categories, capped at ₹1,500 a billing cycle, and 1% on other eligible spends, capped at ₹1,000. Total cashback is limited to ₹2,500 a statement cycle. Cashback is credited against the outstanding balance on your card statement, so one rupee earned is one rupee off the bill.

Who can apply for the Swiggy Ornge HDFC Bank credit card?

Salaried Indian nationals aged 21 to 60 with net monthly income above ₹20,000, and self-employed Indian nationals aged 21 to 65 with an annual income tax return above ₹6 lakh. HDFC decides every application on its own assessment, and Swiggy plays no part in approval under the RBI's rules for co-branded cards.

Does Swiggy Ornge give airport lounge access or low forex?

HDFC lists no domestic or international lounge benefit for Swiggy Ornge. Foreign currency spends carry a 3.5% markup plus GST, and rupee payments made abroad or to overseas-registered merchants carry a 1.75% markup from 15 May 2026. Frequent travellers will usually do better with a card built for travel.

What happens to the old Swiggy HDFC Bank credit card?

HDFC's upgrade FAQ, published on 3 November 2026, says the original Swiggy HDFC Bank Credit Card is being phased out and cannot be retained. Holders are being moved to Swiggy Ornge or Swiggy BLCK in phases until March 2027, and cardholders who do not respond are migrated to Swiggy Ornge.

Do Instamart and Dineout earn 5% on Swiggy Ornge?

Yes. HDFC's product page gives 5% cashback on all eligible Swiggy app spends, which it lists as food orders, Instamart and Dineout. Payments through the Swiggy Money wallet and Swiggy Liquor are excluded from the 5% category. All 5% spends together share the ₹1,500 cap per billing cycle.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Credit Card Fee Waiver Condition (Pricing MID for Oct 2026); List of Inclusion for 5% Cashback category with Swiggy Ornge HDFC Bank Credit Card; List of Exclusions for 1% Cashback category with Swiggy Ornge HDFC Bank Credit Card; Swiggy Ornge HDFC Bank Credit Card (product page); How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog); Credit Card Customer Care Number & Support

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.