HDFC Bank
Gold · Swiggy Ornge
Swiggy HDFC Bank Ornge Credit Card
HDFC Bank
Up to 10% cashback on Swiggy with premium perks
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,410
Total Annual Benefits
₹5,000
Total Annual Charges
₹590
ROI
747%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (3)
Swiggy Cashback
5% cashback on all Swiggy orders including food delivery, Instamart, and Dineout
- • Valid on Swiggy, Instamart, Dineout
5% cashback
Online Shopping Cashback
5% cashback on select online shopping merchants
- • Select online merchants only
5% cashback
All Other Spends
1% cashback on all other retail purchases
1% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Swiggy HDFC Cashback
5% Swiggy, 5% online, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Swiggy
5x multiplier
5% cashback on Swiggy
Online Shopping
5x multiplier
5% on select online merchants
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST |
| Annual Fee | ₹500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Swiggy One membership benefits Instant card issuance via Swiggy app
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Swiggy HDFC Bank Ornge Credit Card is a premium co-branded credit card offering 5% cashback on Swiggy orders, 5% on online shopping, and 1% on all...
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