Swiggy Ornge HDFC Bank Credit Card
Comprehensive review of Swiggy Ornge HDFC Bank Credit Card by HDFC Bank — fees, reward earning rates, airport lounge access, and key benefits.
Card overview
- Joining fee
₹500 + GST
- Annual fee
₹500 + GST
- Best suited for
Dining, Food
- Reward type
Cashback
Rewards & cashback
- Rewards rate
5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends
- Welcome benefits
Free 12-Month Swiggy One Membership
- Reward redemption
Cashback Against Credit Card Statement
Features & benefits
- Golf
12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
Fees & charges
- Spend-based waiver
Renewal Fee Waiver on Spends of ₹1.5 Lakh
- Foreign currency markup
3.5% + GST
- Interest rates
3.75% Per Month or 45% Per Annum
- Cash advance charges
2.5% or ₹500, Whichever is Higher
Product highlights
- Designed for users who frequently order food, groceries, and dining through Swiggy.
- Earn 5% cashback on Swiggy spends and select online shopping categories.
- 1% cashback on all other eligible spends credited directly to the card statement.
- Complimentary 12-month Swiggy One membership provided as a welcome benefit.
- Also includes golf lessons, free rounds, and golf service discounts via Mastercard.
Pros & cons
Pros
- Complimentary 12-month Swiggy One membership with benefits like free delivery and extra discounts.
Cons
- Combined cashback cap of ₹1,500 per billing cycle on 5% categories limits overall rewards.
- No travel benefits such as airport lounge access, making it less attractive for frequent travelers.
Frequently asked questions
What cashback does the Swiggy ORNGE HDFC Bank Credit Card offer?
The card offers 5% cashback on Swiggy app spends (Food Delivery, Instamart, and Dineout) and select online categories, capped at ₹1,500 per billing cycle. All other eligible spends earn 1% cashback up to ₹1,000 per billing cycle.
What are the fees for the Swiggy ORNGE HDFC Bank Credit Card?
The card comes with a ₹500 + GST joining fee and annual fee. The annual fee can be waived if the cardholder spends ₹1.5 lakh or more in the previous year.
Does the Swiggy ORNGE HDFC Bank Credit Card offer any welcome benefits?
Yes, eligible cardholders receive a complimentary 12-month Swiggy One membership upon card activation, which provides benefits like free delivery, additional discounts, and other platform perks.