Swiggy Ornge HDFC Bank Credit Card

HDFC Bank · Open to apply

The everyday Swiggy co-brand cashback card: 5% on Swiggy (food, Instamart, Dineout) and on a long list of online merchants and categories, 1% elsewhere, ₹2,500 a statement at most, with 12 months of Swiggy One. Lifetime free when applied for through the Swiggy app; ₹500 a year (waived at ₹1.5 lakh) through HDFC's own channels.

Annual fee
Lifetime free
Joining fee
None
Base rate
1% on other spends: 1% cashback (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026
Replaces
Swiggy HDFC Bank Credit Card

Main earn rates

  • 5% on Swiggy food ordering, Instamart and Dineout: 5% cashback (about 5% at cash value)
  • 5% on online shopping (apparel, electronics, entertainment, pharmacies and marketplaces): 5% cashback (about 5% at cash value)
  • 5% on local cabs (Uber, Ola, Zoomcar and similar): 5% cashback (about 5% at cash value)
  • 5% on Cleartrip, EaseMyTrip and Yatra: 5% cashback (about 5% at cash value)

Earns nothing on

  • No cashback on fuel
  • No cashback on rent or government-related payments
  • No cashback on wallet loads and prepaid cards
  • No cashback on jewellery
  • No cashback on gift cards
  • No cashback on EMI of any type
  • No cashback on gaming
  • No cashback on education fees (direct or through apps)
  • No cashback on purchases made through the SmartBuy portal

Where the sources disagree

  • 5% online merchant list: The product page links two versions of the Ornge 5% inclusion list. One names Paytm Travel, EaseMyTrip, Ixigo, Yatra and Ibibo with travel MCCs (as does Table 2.1 of the 15 October 2026 T&C); the other lists an entertainment MCC group (4411, 4899, 5193, 5992, 7032, 7033, 7333, 7832, 7911, 7922, 7929, 7933, 7991, 7996, 7997) instead. The T&C table is used.
  • birthday week offer: Section 2.7 of the Ornge T&C says the birthday-week Dineout discount is "over and above 10% cashback" on Swiggy Dineout, but the card pays 5% on Swiggy (the 10% rate is the BLCK card's); the sentence looks copied from the BLCK T&C. The card's 5% is used.
  • fee for Swiggy-app applications: Swiggy's card page (undated) lists the Ornge joining and renewal fee as ₹500, while T&C section 5.3 (15 October 2026) makes Ornge lifetime free for applications through the Swiggy portal from 1 July 2026. The T&C is the more specific document and is used.

Terms the calculator does not value

  • The fee is entered as ₹0 for the Swiggy-app route (T&C section 5.3, applications from 1 July 2026, no end date given). Applied for through HDFC's own channels the card costs ₹500 + taxes a year from the first year, with the renewal fee waived on ₹1.5 lakh a year; the calculator does not charge it. Swiggy could end the lifetime-free route without a dated notice.
  • The ₹249 minimum transaction applies to every 5% transaction (T&C 4.1 sets it for "5% Cashback", which on Ornge covers both Swiggy and the online list) and ₹100 to the 1% rate; the calculator assumes every transaction meets the minimum, so small Swiggy and Instamart orders are overvalued.
  • The 5% online list covers only select merchants under each MCC (apparel, pharmacies, pet stores, personal care, electronics, local cabs, travel agencies), so the 5% on "Other online shopping" is the best case. Pet stores and personal care have no calculator spend line and are not applied. Paytm Travel, Ixigo, Ibibo, Vijay Sales and Meesho are not in the reference data.
  • Swiggy Dineout payments made at a restaurant earn 5% only when paid through the Swiggy app; the calculator's restaurant line is offline and is valued at 1%.
  • The Cleartrip (6.35% on flights, 20% on hotels, coupon CTSWHDFC) and Nykaa (5%, up to ₹100 a transaction, two a month, on ₹1,000 or more) instant discounts are limited-period offers with no end date given and are not valued.
  • The ₹50 + GST cashback redemption charge in the MITC is not charged in the value; Swiggy cashback is credited to the statement automatically.
  • MITC caps on utilities and telecom do not apply. MITC v4.15 clause n caps the Reward Points earned on utility and on telecom transactions at 2,000 a calendar month from 1 September 2024, then says "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable". Swiggy Ornge is a variant of the Swiggy HDFC Bank Credit Card and earns rupee cashback, not reward points, so the clause is read as covering it: utility and telecom bills earn the 1% "Spends on other categories" rate inside that category's own "Rs.1000 per billing cycle" cap (T&C Table 1.1), as the base rule and its cap already do.
  • MITC caps on insurance and groceries do not apply. MITC v4.15 clause e caps "Reward Points accrued for insurance transactions" at 2,000 a month for "all other credit cards" (from 1 July 2025) and clause m caps "Reward Points earned on Grocery transactions" at 1,000 a month "for the rest of the cards" (from 1 January 2023). This card earns cashback in rupees, which the MITC says is "credited against outstanding balance in card statement", and the T&C sets its own caps by category, so no points cap is entered. Insurance premiums and grocery stores are not in Table 1.1's 1% exclusions ("Fuel, Rent, Jewellery, Govt. spends, Gaming and Education, EMI & Wallet") and earn 1% inside the ₹1,000 a billing cycle cap; Swiggy Instamart earns the Swiggy-app 5%.

Sources

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