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HDFC Bank
Swiggy Ornge HDFC Bank Credit Card
Cashback
Online Shopping
1st Year Fee: ₹500* Plus Applicable Taxes
Dining
Up to 5% savings on Swiggy spends
Cashback
Up to 5% cashback on online spends
Joining Bonus
12 months Swiggy One membership
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About Swiggy Ornge HDFC Bank Credit Card
HDFC Bank and Swiggy have collaborated to offer two co-branded credit cards, Swiggy Ornge and Swiggy BLCK. Here, the former is the base variant offered at an annual fee of Rs. 500 which can be waived by reaching just Rs. 1.5 lakh annual spends. This is a cashback credit card that offers 5% savings on Swiggy and online spends. This accelerated co-branded value-back is accompanied by Swiggy One membership as joining bonus, which exceeds the joining fee amount, an additional 10% off on Swiggy Dineout during the cardholder’s birthday week. These benefits make this HDFC Credit Card a good co-branded offering that allows maximum savings at minimal cost.
This card is suitable for those looking for a low annual fee card with high savings on Swiggy food deliveries, everyday spends on Instamart and dining bills via Dineout, along with their online purchases. Furthermore, the direct cashback feature makes value-back management quick and hassle-free. Read on to know more about Swiggy Ornge HDFC Credit Card’s fees, features and benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Cashback Benefits
Cashback Earnings
- 5% Cashback: On Swiggy app (food orders, Instamart and Dineout) and select online spends1,2 (MOV Rs. 249)
- 1% Cashback: On other eligible spends3 (MOV Rs. 100)
Cashback Capping
- Rs. 1,500 per month for 5% cashback
- Rs. 1,000 per month for 1% cashback
Cashback Redemption
- Cashback is credited directly to the account as statement credit
Other Features & Benefits
Welcome Benefit
- Complimentary 12 months Swiggy One membership on card activation
Brand Discount
- Cleartrip: 19% off on hotels and 6% off on travel
- Nykaa: 5% off
Birthday Week Discount
- Additional 10% off, up to Rs. 500, on Swiggy Dineout on min. order of Rs. 3,0004
Fee Waiver
- Renewal fee waived on reaching Rs. 1.5 lakh annual spends in the previous year
Golf Benefits via Mastercard
- 12 free golf lessons per year
- 4 complimentary green fee rounds per year and 50% off on green fees after free rounds
Swiggy Ornge HDFC: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500 + applicable taxes | ||||||||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get This Card If:
You are a Swiggy loyalist who frequently uses its food delivery, Instamart and Dineout facilities
You prefer shopping online and wish to save on those spends
You are looking for a credit card with direct cashback to avoid the hassle of reward redemption
You can maximise your savings by availing Cleartrip and Nykaa discounts, along with accelerated cashback
Eligibility Criteria:
Age (Salaried): 21 to 60 years
Age (Self-employed): 21 to 65 years
Income (Salaried): >Rs. 20,000/month
Income (Self-employed): >Rs. 6 lakh p.a.
Paisabazaar Review
What do we like about this card?
Swiggy Ornge HDFC Bank Credit Card offers 5% cashback on Swiggy as well as major online categories and brands. This cashback is credited directly to the card account without hassle of redemption. In addition to the 5% cashback, Nykaa and Cleartrip also come with considerable discounts, thus allowing the cardholders to maximise their savings. Low annual fee with an easily achievable waiver condition allows the users to minimise their cost. Moreover, Mastercard network also offers complimentary golf lessons, a feature that is generally available to premium card users only.
Pros
- Up to 5% cashback on co-branded and online spends
- Low spending condition for renewal fee waiver
- Up to 19% off on Cleartrip and 5% off on Nykaa
- Free golf lessons and green fee waiver benefits via Mastercard
- Joining bonus of Swiggy membership worth more than the joining fee amount
Cons
- Capping on cashback earnings
- Minimum transaction value of Rs. 249 for 5% cashback benefit
- Select Swiggy and online spends excluded from 5% cashback benefit
Frequently Asked Questions
Everything you need to know about this credit card
You can earn up to Rs. 2,500 cashback every month using Swiggy Ornge HDFC credit card where 5% cashback is capped at Rs. 1,500 and 1% at Rs. 1,000 per month.
Yes, all cardholders get a 12 month Swiggy One membership on card activation. If a card user is an existing member, then their membership is extended by 12 months with Swiggy One benefits.
This can happen in case you have reached the cashback capped limit in that month or if your purchase value is less than Rs. 249. Also confirm that the online spend category is not excluded from the cashback benefit.
No, the complimentary Swiggy One membership is only given after card activation in the first card membership year.
No, since Swiggy Ornge HDFC Bank Credit Card is only offered on Mastercard network, and not on RuPay, it cannot be used to pay UPI payments and hence does not offer any cashback on such transactions.
No, Swiggy Ornge HDFC Bank Credit Card does not offer any complimentary airport lounge access to its cardholders.
Footnotes
- Online spending categories eligible for 5% cashback include apparel, pharmacies, pet stores, personal care, travel and hotel, electronics and entertainment, along with brands like Swiggy, Myntra, Amazon, Flipkart, Meesho, Nykaa, ClearTrip, BookMyShow, Ola, Uber, Zoomcar, Netflix, SonyLiv, Prime, Hotstar, Pharmeasy, Croma, Vijay Sales, Reliance Digital, Paytm Travel, Ixigo, Yatra, EaseMyTrip and Ibibo.
- Swiggy Money Wallet, Swiggy Liquor and select other online categories are excluded from 5% cashback benefit.
- Fuel, rent, wallet, gaming, jewellery, gift cards, education, SmartPay, Smartbuy portal, cash advances, purchase of travelers’ cheques, purchase of foreign currency, fees, government related transactions and EMIs are excluded from any cashback benefit.
- This offer is applicable for 7 days, starting from 3 days prior and up to 3 days after the cardholder’s birthday.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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