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HDFC Bank · Visa · हिन्दी

Swiggy HDFC Bank ORNGE Credit Card: full review

The Swiggy HDFC ORNGE is the most versatile of the three Swiggy cards. The 5% cashback covers Swiggy AND a wide range of online platforms including Amazon, Flipkart, Uber, Ola and OTT apps, making it a strong everyday online card even if you don't use Swiggy heavily. The 12-month Swiggy One welcome benefit covers the ₹500 fee entirely. Prefer this over the base card if your online spend is spread across multiple platforms rather than concentrated on Swiggy.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
SWIGGY ORNGE
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹1,50,000/year spend)Annual fee
5% cashback on Swiggy (food, Instamart, Dineout) AND on Amazon, Flipkart, Uber, Ola, Netflix, Hotstar etc., capped ₹1,500/month combined; 1% baseReward structure
NoneLounge access
5% cashback on Swiggy (food ordering, Instamart, Dineout), min ₹249/txn5% cashback on select online partners: Amazon, Flipkart, Myntra, Nykaa, Ajio, Uber, Ola, Netflix, Hotstar, SonyLiv, Amazon Prime, Cleartrip, Ixigo, Yatra, BookMyShow, min ₹100/txnCombined ₹1,500/month cap on 5% Swiggy + 5% online categories1% cashback on all other eligible spends, capped ₹500/monthComplimentary 12-month Swiggy One membership as welcome benefit (worth ₹1,190)Direct statement cashback, auto-credited each billing cycleAnnual fee waived on ₹1.5L/year spend
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Widest 5% cashback coverage, Swiggy, Amazon, Flipkart, Uber, Netflix and more in one card
✓ 12-month Swiggy One membership worth ₹1,190 offsets ₹500 joining fee entirely
✓ Lower fee than BLCK with broader online coverage
✓ Statement credit cashback, no app or portal needed
Cons
✗ Combined ₹1,500/month cap across all 5% categories, heavy spenders hit it quickly
✗ No lounge access
✗ 3.5% forex, poor for international use
✗ Only 5% on Swiggy vs 10% on the base and BLCK variants
Quick facts
Issuer HDFC Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹1,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Swiggy HDFC Bank ORNGE Credit Card is ₹500 + taxes (waived on ₹1,50,000/year spend). The joining fee is ₹500.
5% cashback on Swiggy (food, Instamart, Dineout) AND on Amazon, Flipkart, Uber, Ola, Netflix, Hotstar etc., capped ₹1,500/month combined; 1% base
Swiggy HDFC Bank ORNGE Credit Card is best for Moderate Swiggy users wanting 5% across food delivery AND a wide range of online platforms. The Swiggy HDFC ORNGE is the most versatile of the three Swiggy cards. The 5% cashback covers Swiggy AND a wide range of online platforms including Amazon, Flipkart, Uber, Ola and OTT apps, making it a strong everyday online card even if you don't use Swiggy heavily. The 12-month Swiggy One welcome benefit covers the ₹500 fee entirely. Prefer this over the base card if your online spend is spread across multiple platforms rather than concentrated on Swiggy.
The minimum income requirement for Swiggy HDFC Bank ORNGE Credit Card is ₹15,000/month (salaried). A minimum credit score of 700+ is also recommended.
Swiggy HDFC Bank ORNGE Credit Card does not offer airport lounge access.
Swiggy HDFC Bank ORNGE Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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Compare with similar cards
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Swiggy HDFC Bank ORNGE₹500 + taxes
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