Swiggy Ornge HDFC Bank review

HDFC Bank · Mastercard · cashback Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹500
Joining fee: ₹500
Fee waiver: ₹1,50,000 a year
Base return: 1% base
Point value: ₹1 per point
Domestic lounge: None found
International lounge: None found

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹3,370	1.9%
Metro salaried ₹60k a month	₹15,648	2.2%
Family household ₹80k a month	₹17,568	1.8%
Frequent flyer ₹1.5L a month	₹30,936	1.7%
Online shopper ₹50k a month	₹19,056	3.2%
Rent-heavy ₹90k a month	₹10,752	1.0%

Fee maths: The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹3,370 (first card, light spender) to ₹30,936 (frequent flyer), equal to 1.0% to 3.2% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹3,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: The lower-cost sibling of BLCK: ₹500 a year, waived at ₹1.5 lakh, and 5% rather than 10% on Swiggy. Its 5% categories (Swiggy, Amazon, Flipkart and listed merchants) all share one ₹1,500 cycle cap. BLCK's extra 5% on Swiggy is worth ₹0.60 a year per ₹1 of monthly Swiggy spend, so Ornge comes out ahead below about ₹830 a month on Swiggy (₹500 fee difference divided by ₹0.60), before counting BLCK's higher ₹2 lakh waiver threshold.

From the card's terms: strengths

Capped category-wide rate: about 5% on Amazon, Flipkart
Up to about 5% at partner merchants, subject to caps

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Everything else	1	₹1	₹1,000 a month	1% on other eligible spends (min txn ₹100); cap ₹1,000 per billing cycle.
Dining & food delivery, Groceries	5	₹5	₹1,500 a month	5% only on Swiggy app: Food ordering, Instamart and Dineout; min txn ₹249. Table 1.1 shows ₹1,500 per billing cycle cap against the Swiggy row; the T&C's worked example suggests the 5% online merchants share this cap (modelled as shared). Excludes Swiggy Money wallet and Swiggy Liquor.
Amazon, Flipkart	5	₹5	₹1,500 a month	5% on Amazon and Flipkart (all online transactions except excluded MCCs); min txn ₹100; modelled as sharing the ₹1,500 per billing cycle 5% cap.
Other online shopping, Entertainment & OTT, Flights & hotels	5	₹5	₹1,500 a month	5% only at listed merchants/MCCs: apparel, pharmacy, pet stores, personal care, Ola/Zoom/Uber, Reliance Retail/Croma/Vijay Sales, Paytm Travel/EaseMyTrip/Ixigo/Yatra/Ibibo, Nykaa, Cleartrip, Ajio, Netflix, Hotstar, BookMyShow, Meesho. Share is an assumption. SmartBuy excluded.
Fuel	0	₹0	No cap found	No cashback on fuel (MCC 5172, 5541, 5542, 5983).
Rent	0	₹0	No cap found	No cashback on rent (MCC 6513).

Point value: Cashback auto-credited against outstanding statement balance, Re 1 per Re 1 (official T&C).

Excluded or reduced

Fuel, rent, jewellery, government payments, gaming, education earn nothing
Wallet/prepaid/gift card loads, EMI (all types), Smartpay and SmartBuy portal spends earn nothing
Cash advances, traveller's cheques, purchase of foreign currency and fees earn nothing
Swiggy Money wallet, Swiggy Liquor and Swiggy platforms outside Food/Instamart/Dineout do not earn 5%
5% on Swiggy needs min txn ₹249; other tiers need min txn ₹100

Other benefits

Welcome: Complimentary Swiggy One membership on activation (T&C text says 12 months in one place and 3 months in another; verify).
Renewal: Renewal fee waived on ₹1.5 lakh spend in the year
Mastercard golf programme (product page)
Birthday-week additional 10% off Swiggy Dineout up to ₹500 on min order ₹3,000

Eligibility

Salaried: Indian, age 21-60, net monthly income above ₹20,000. Self-employed: Indian, age 21-65, annual ITR above ₹6 lakh (official page).

Where it ranks

#3 in Best credit cards for online shopping
#2 in Best first credit cards
#3 in Best credit cards for groceries

Compare

Swiggy Ornge HDFC Bank vs Swiggy BLCK HDFC Bank

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FAQ

What is the annual fee of the Swiggy Ornge HDFC Bank?

₹500 a year, waived at ₹1,50,000 annual spend. Fees exclude 18% GST.

How do Swiggy Ornge HDFC Bank rewards work?

1% base, up to 5% on Amazon/Flipkart. Cashback auto-credited against outstanding statement balance, Re 1 per Re 1 (official T&C).

Does the Swiggy Ornge HDFC Bank give airport lounge access?

We did not find lounge access on this card in the sources we checked.

Who is the Swiggy Ornge HDFC Bank best suited to?

The lower-cost sibling of BLCK: ₹500 a year, waived at ₹1.5 lakh, and 5% rather than 10% on Swiggy. Its 5% categories (Swiggy, Amazon, Flipkart and listed merchants) all share one ₹1,500 cycle cap. BLCK's extra 5% on Swiggy is worth ₹0.60 a year per ₹1 of monthly Swiggy spend, so Ornge comes out ahead below about ₹830 a month on Swiggy (₹500 fee difference divided by ₹0.60), before counting BLCK's higher ₹2 lakh waiver threshold. The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹3,370 (first card, light spender) to ₹30,936 (frequent flyer), equal to 1.0% to 3.2% of spend across the profiles.