HDFC
Swiggy Ornge HDFC Bank Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Get 5% Cashback on Swiggy
spends across Food Delivery, Instamart and Dineout up to ₹1500 per billing cycle
Enjoy Swiggy One Membership for 12 Months
as a welcome benefit on card activation, claimable on the Swiggy app within 2 to 3 days
Best For
Shopping
Online Food Ordering
Dining
Travel
The Swiggy Ornge HDFC Bank Credit card is a highly rewarding Mastercard designed for people who frequen...
Read More
Read Less
The Swiggy Ornge HDFC Bank Credit card is a highly rewarding Mastercard designed for people who frequen...
The Swiggy Ornge HDFC Bank Credit card is a highly rewarding Mastercard designed for people who frequently order food, shop for groceries online, and dine out. The strongest proposition of this card is its solid 5% cashback on the Swiggy ecosystem, including food delivery, Instamart, and Dineout. If you are someone who relies heavily on online platforms for your daily needs, this card turns your routine expenses into direct statement savings.
Targeted squarely at young professionals, millennials, and online shoppers, the HDFC Swiggy Ornge card goes beyond just food. You also earn a robust 5% cashback across popular online merchants like Amazon, Flipkart, Nykaa, and Netflix. This makes it a formidable everyday spending tool. Unlike cards that lock your value into complicated point systems, this credit card auto-credits your earnings directly to your monthly statement. It takes the effort out of saving money.
What differentiates this card from its competitors is the sheer breadth of its 5% cashback categories combined with a very accessible entry requirement. With a low monthly income requirement of just Rs. 20,000 and a modest annual fee of Rs. 500, it makes premium cashback rates available to entry-level professionals. You do not need to decipher confusing reward catalogues; every Rupee earned is a Rupee saved on your next bill.
View FAQ
Commonly Asked Questions
Is the Swiggy Ornge HDFC Bank Credit card lifetime free?
No, the card is not lifetime free. It comes with a joining fee of Rs. 500 and an annual fee of Rs. 500. However, the annual fee can be waived if you spend Rs. 1.5 lakh in a year.
Is this card a good option for online shopping?
Yes, it is an excellent choice. You get a flat 5% cashback on select online merchants including Amazon, Flipkart, Myntra, Nykaa, and Hotstar. If you spend Rs. 10,000 on these platforms, you directly save Rs. 500.
Who is the ideal user for the HDFC Swiggy Ornge card?
The ideal user is someone who frequently orders from Swiggy, shops online, and prefers direct statement credits over reward points. With a low income requirement of Rs. 20,000 per month, it is highly accessible for young salaried professionals.
What makes this card different from other cashback cards?
The card offers a rare combination of 5% cashback on both a specific aggregator app and a wide variety of general online merchants. Most cards restrict you to one or the other, but this card covers apparel, electronics, travel, and food all at accelerated rates.
Expert Review
The Swiggy Ornge HDFC Bank Credit card is a brilliantly focused financial tool that understands exactly who its user base is. Earning 5% cashback on Swiggy and major online merchants like Amazon and Flipkart for just a Rs. 500 annual fee is outstanding value. I absolutely love that the cashback is auto-credited to the statement. It takes the confusing math out of reward redemption.
However, the card does have its drawbacks. My main criticism is the stringent list of exclusions. The fact that you earn absolutely zero rewards on fuel, rent, education, and government payments limits the card's utility as a singular primary card for households. The Rs. 1,000 cap on offline spends is also slightly restrictive for heavy spenders.
Ultimately, if you are a millennial or Gen Z professional who orders food frequently and relies on e-commerce for shopping, this card will save you thousands of Rupees annually. Just pair it with a good fuel or utility card to cover its blind spots.
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
Premium cashback usually comes with hefty charges, but the Swiggy Ornge HDFC Bank Credit card keeps thi...
Read MoreRead Less
Premium cashback usually comes with hefty charges, but the Swiggy Ornge HDFC Bank Credit card keeps thi...
Premium cashback usually comes with hefty charges, but the Swiggy Ornge HDFC Bank Credit card keeps things affordable. The card carries a one-time joining fee of Rs. 500 (plus applicable taxes). Fortunately, this initial cost is completely offset by the welcome benefit of a complimentary 12-month Swiggy One membership, which carries a higher monetary value than the fee itself.
From the second year onwards, an annual renewal fee of Rs. 500 applies. The bank provides a very achievable annual fee waiver condition. The annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card, as per bank policy. Breaking this down, you only need to spend Rs. 12,500 per month across groceries, dining, online shopping, and offline bills to hit the Rs. 1.5 lakh target. If you use this as your primary card for daily expenses, avoiding the annual charge is simple.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 500 plus applicable taxes.
Is there a welcome bonus to offset the joining fee?
Yes, upon card activation you receive a complimentary Swiggy One membership for 12 months. The value of this membership easily exceeds the Rs. 500 joining fee.
What is the annual or renewal fee?
From the second year onwards, an annual fee of Rs. 500 plus taxes is charged to your statement.
Is there an annual fee waiver option?
Yes, the annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card, as per bank policy.
What is the monthly spending requirement for the annual fee waiver?
To reach the Rs. 1.5 lakh annual target, you need to average Rs. 12,500 in card spends per month.
Does spending in excluded categories count towards the fee waiver?
Spending on excluded categories like rent and wallet loads is not counted toward the Rs. 1.5 lakh annual fee waiver milestone.
How can I get this card lifetime free?
The standard annual fee is Rs. 500, but the bank offers the card as lifetime free for select corporate employees or during specific seasonal promotional campaigns.
What happens if I spend Rs. 1.4 lakh in a year?
If you fall short of the Rs. 1.5 lakh milestone, you will be charged the full Rs. 500 annual fee plus taxes on your renewal date.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
2.4LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Securing the HDFC Swiggy Ornge card is a simple process if you meet the baseline requirements. The bank...
Read MoreRead Less
Securing the HDFC Swiggy Ornge card is a simple process if you meet the baseline requirements. The bank...
Securing the HDFC Swiggy Ornge card is a simple process if you meet the baseline requirements. The bank has kept the income thresholds accessible to encourage younger applicants. For salaried individuals, the minimum monthly income requirement is just Rs. 20,000, which translates to an annual salary of Rs. 2.4 lakh. If you are self-employed, you will need to demonstrate an annual income of Rs. 6 lakh, which breaks down to an average of Rs. 50,000 per month.
Age restrictions apply based on your employment type. Both salaried and self-employed applicants must be at least 21 years old to apply. The maximum age limit for a salaried individual is 60 years. However, self-employed individuals have a slightly longer runway with a maximum age limit of 65 years. A good credit history is essential. The bank looks for a minimum CRIF score of 720 for both salaried and self-employed categories. A score below 720 significantly reduces your chances of approval.
- Minimum Age: 21 years
- Maximum Age (Salaried): 60 years
- Maximum Age (Self-Employed): 65 years
- Income for Salaried: Rs. 20,000 per month (Rs. 2.4 Lakhs annually)
- Income for Self-Employed: Rs. 6 Lakhs annually
- Credit Score Requirement: 720 CRIF minimum
- Employment Type: Both salaried and self-employed professionals are welcome
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old to be eligible for the Swiggy Ornge HDFC Bank Credit card.
What is the maximum age limit for the primary cardholder?
For salaried individuals, the maximum age is 60 years. For self-employed applicants, the upper age limit extends to 65 years.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 20,000 to qualify. This equates to an annual income of Rs. 2.4 lakh.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 6 lakh via their Income Tax Returns.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are eligible to apply, provided they meet their respective income and age criteria.
What credit score is needed for approval?
A minimum CRIF credit score of 720 is required for a smooth approval process for both salaried and self-employed applicants.
Will my application be rejected if my credit score is below 720?
While a score below the 720 threshold highly increases rejection chances, the bank evaluates your entire profile. However, meeting the minimum score is strongly advised.
Can students apply for this credit card?
Students can apply for an add-on card or a card against a fixed deposit if they do not have a verifiable monthly income of Rs. 20,000.
Do I need an existing HDFC account to apply?
Having an existing relationship with the bank is not mandatory, but it speeds up the application and verification process.
All Card Benefits
- 5% cashback on Swiggy app spends (Food Delivery, Instamart, Dineout)
- Cashback capped at ₹1,500 per billing cycle for Swiggy spends
- 5% cashback on select online merchants and categories like apparel, electronics, travel, pharmacies, entertainment and discount stores
- 1% cashback on other eligible spends
- 1% cashback capped at ₹1,000 per billing cycle
Welcome Benefits
Starting off on a high note, the card offers a complimentary Swiggy One membership ...
Read MoreRead Less
Welcome Benefits Starting off on a high note, the card offers a complimentary Swiggy One membership ...
Welcome Benefits
Starting off on a high note, the card offers a complimentary Swiggy One membership for 12 months upon card activation. This membership provides free deliveries and extra discounts on the Swiggy app. A Swiggy One annual membership costs Rs. 1,299, though promotional pricing frequently brings this down to Rs. 899. This means the welcome benefit instantly covers the Rs. 500 joining fee and puts you in profit before you even begin earning cashback on your daily food orders.
Cashback and Reward Points Structure
The earning mechanics of this card are straightforward and highly lucrative. You get 5% cashback on Swiggy app spends, which covers Food Delivery, Instamart, and Dineout. This specific category has a generous maximum cap of Rs. 1,500 per billing cycle. For example, to hit this cap, you would need to spend Rs. 30,000 a month on Swiggy alone. If your monthly grocery and food orders total Rs. 10,000, you earn a crisp Rs. 500 cashback.
Beyond food, you earn 5% cashback across a curated list of select online merchants and categories. This includes heavy hitters like Amazon, Flipkart, Nykaa, Ajio, Meesho, Netflix, and Hotstar. It also covers broader categories like apparel, electronics, travel, pharmacies, entertainment, and discount stores. If you buy a new phone on Amazon for Rs. 40,000, you earn Rs. 2,000 in cashback.
For all other eligible offline and non-accelerated online spends, the card provides 1% cashback. This base earning rate is capped at Rs. 1,000 per billing cycle. To max out the 1% category, you would need to spend Rs. 1,00,000 in a month. If you spend Rs. 15,000 offline at a supermarket or local store, you will receive Rs. 150 back on your statement.
Travel and Flight Perks
The Swiggy Ornge HDFC Bank Credit card packs a surprising punch for occasional travelers through its partnership with Cleartrip. First, you earn 5% cashback on eligible online travel spends. Second, you get an additional 6% instant discount when booking flights via Cleartrip. Finally, you can grab up to an impressive 19% instant discount on hotel bookings through the same portal. If you book a hotel stay worth Rs. 10,000, a 19% instant discount saves you Rs. 1,900 right at checkout, plus you may earn additional cashback on the final charged amount.
Dining Privileges
Food lovers get special treatment beyond simple delivery. Whenever you use the Swiggy Dineout feature to pay at partner restaurants, you earn the standard 5% cashback. The bank also sweetens the deal during your birthday week. You receive an additional 10% discount on Swiggy Dineout. This offer is valid for a 7-day window (3 days before and 3 days after your actual birthday). The maximum additional discount is capped at Rs. 500, and it requires a minimum order value of Rs. 3,000. It is valid once per cardholder. For instance, a celebratory dinner bill of Rs. 4,000 will net you a Rs. 400 instant discount.
View FAQ
Commonly Asked Questions
How do I qualify for the Swiggy One welcome bonus?
You qualify for the complimentary Swiggy One membership by simply activating your card. However, based on the terms, a minimum transaction of Rs. 100 within 30 days is required to activate the card and become eligible for rewards.
What is the value of the welcome benefit?
The welcome package includes a 12-month Swiggy One membership. While prices vary by user on the app, this saves you between Rs. 899 and Rs. 1,299 in delivery fees over a year.
Will I get the Swiggy One membership every year?
The complimentary Swiggy One membership is provided as a one-time welcome benefit upon initial card activation; subsequent years require paying the standard membership fee or meeting specific promotional spend milestones.
Is there a minimum spend needed to trigger the membership?
Yes, you must make a minimum transaction of Rs. 100 within the first 30 days to activate the card. If you fail to do this, you will not be eligible for the rewards program.
What is the standard reward rate on this card?
The base rate is 1% cashback on all regular eligible spends. You get accelerated rates of 5% on Swiggy spends and 5% on select online merchants like Amazon and Flipkart.
How much cashback will I earn if I spend Rs. 5,000 on Swiggy?
At the 5% accelerated rate, a spend of Rs. 5,000 on Swiggy Food or Instamart will earn you exactly Rs. 250 in cashback for that billing cycle.
Is there a limit to how much I can earn on Swiggy orders?
Yes, the 5% cashback on the Swiggy app is capped at Rs. 1,500 per billing cycle. You will stop earning the accelerated 5% rate once your monthly Swiggy spends exceed Rs. 30,000.
Which online merchants give me 5% cashback?
You earn 5% on select platforms like Amazon, Flipkart, Nykaa, Ajio, Meesho, Netflix, and Hotstar. Categories include apparel, electronics, travel, pharmacies, and entertainment.
What is the maximum limit for the 1% cashback category?
The 1% cashback on other eligible offline and general spends is capped at Rs. 1,000 per billing cycle. This means you earn rewards on up to Rs. 1,00,000 of standard spending each month.
Do I earn cashback on fuel purchases?
No, fuel purchases are strictly excluded from earning any cashback on this card. If you spend Rs. 3,000 on petrol, your cashback earning will be zero.
Will I earn cashback when paying rent with this card?
No, rent payments are classified as excluded spending. A Rs. 20,000 rent payment will not earn any cashback or reward points.
Are utility bill payments eligible for the 5% rate?
Government payments are excluded from rewards. Utility bill payments earn the base rate of 1% cashback, provided they are not processed through government-regulated portals.
Do my EMI transactions earn cashback?
No, EMI transactions are explicitly excluded. If you convert a Rs. 50,000 laptop purchase into an EMI plan, you forfeit the 5% cashback you would have otherwise earned.
What is the value of 1 reward point in rupees?
This card does not use a traditional points system. It functions on a direct cashback model where 1% equals Rs. 1 for every Rs. 100 spent. The earned amount is adjusted directly against your statement.
How much can I save on flight tickets?
When booking flights via Cleartrip, you get a 6% instant discount along with the standard 5% cashback on eligible online spends. On a Rs. 10,000 flight ticket, the 6% discount saves you Rs. 600 instantly.
Are there discounts for hotel bookings?
Yes, the card offers up to a 19% instant discount on hotel bookings made through the Cleartrip platform.
Does this card offer complimentary airport lounge access?
No, this card does not offer any benefits in the airport lounge access category.
Does the card offer railway lounge access?
No, railway lounge benefits are not provided on the Swiggy Ornge HDFC card.
How much cashback do I get when eating out?
When paying your restaurant bill through the Swiggy Dineout app feature, you earn a solid 5% cashback on the transaction. On a Rs. 2,000 dinner bill, you earn Rs. 100.
What is the birthday week offer?
During your birthday week, you get an extra 10% discount on Swiggy Dineout on top of existing offers. The maximum discount is Rs. 500.
What is the minimum spend for the birthday dining offer?
To trigger the 10% birthday discount, your total restaurant bill via Swiggy Dineout must be at least Rs. 3,000.
How long is the birthday offer valid?
The offer is valid for exactly 7 days. This includes 3 days prior to your birthday, your actual birthday, and 3 days after. You can use it once during this period.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.
To check redemption catalogue
N/A
One of the biggest frustrations with credit cards is dealing with complex reward portals, point convers...
Read MoreRead Less
One of the biggest frustrations with credit cards is dealing with complex reward portals, point convers...
One of the biggest frustrations with credit cards is dealing with complex reward portals, point conversion ratios, and redemption fees. The Swiggy Ornge HDFC Bank Credit card eliminates this headache entirely. According to the bank's terms, accrued cashback is adjusted automatically in the monthly statement. There is no redemption catalogue to browse and no points to convert manually.
Here is how it works: When you spend Rs. 20,000 on Swiggy and online merchants in a month, you generate Rs. 1,000 in cashback. At the end of your billing cycle, the bank calculates this total and credits Rs. 1,000 directly to your credit card account. This effectively reduces the amount you owe on your next bill. If your total bill for the month was Rs. 25,000, the auto-credited cashback brings your payable amount down to Rs. 24,000. It is a zero-effort savings system.
View FAQ
Commonly Asked Questions
How do I redeem the cashback I have earned?
You do not need to do anything. Accrued cashback is adjusted automatically in your monthly statement. It requires zero manual intervention.
What can I redeem my reward points for?
This card does not use a traditional points catalogue. All earnings are converted into direct statement cashback.
Is there a minimum cashback balance needed before redemption?
Because the process is automatic, there is no minimum threshold you must meet to get your statement credit.
How long does it take for cashback to reflect in my account?
Cashback earned in a specific billing cycle is credited to your account and reflects in the immediate next month's statement.
Is there a fee for redeeming my cashback?
No, since the cashback is auto-adjusted against your outstanding balance, there are no manual redemption fees involved.
Do my cashback earnings expire?
Since the cashback is automatically adjusted against your monthly bill every cycle, expiration is not a concern as long as the account remains active.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Jewellery
Government payments
Gaming
Education
Wallets
Gift Cards
EMI transactions
SmartPay
SmartBuy portal and cash advances
For Spends Waiver
Cash Advances
Balance Transfer
ATM Cash Withdrawals
To maximize your savings, you must understand where this card does NOT work. Banks place restrictions o...
Read MoreRead Less
To maximize your savings, you must understand where this card does NOT work. Banks place restrictions o...
To maximize your savings, you must understand where this card does NOT work. Banks place restrictions on certain transaction types to prevent abuse of the rewards system. On the Swiggy HDFC card, a wide range of categories are excluded from earning any cashback whatsoever. Transactions categorized as Fuel, Rent, Jewellery, Government payments, Gaming, Education, Wallets, and Gift Cards will yield zero returns.
Additionally, EMI transactions, SmartPay setups, SmartBuy portal purchases, and cash advances are excluded from earning cashback. For example, if you pay Rs. 15,000 for your child's school fees (Education category) and Rs. 5,000 for wallet top-ups, you will not earn the 1% base rate on that Rs. 20,000 spend. You also need to be aware of the spending exclusions: Cash Advances, Balance Transfers, and ATM Cash Withdrawals are strictly outside the rewards program and attract high interest rates immediately.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Transactions on Fuel, Rent, Jewellery, Government payments, Gaming, Education, Wallets, Gift Cards, and EMI conversions are excluded from earning cashback.
Does paying rent with this card earn cashback?
No, rent payments are explicitly excluded from earning any cashback. You will not earn the 1% base rate on these transactions.
Are fuel transactions excluded from earning rewards?
Yes, spending at petrol pumps falls under the excluded fuel category. You will not earn cashback on these spends.
Do wallet top-ups or gift card purchases earn rewards?
No, loading money into digital wallets or buying gift cards is excluded from the cashback program.
Are education or school fee payments excluded from earning rewards?
Yes, education payments do not earn any cashback on this card. A Rs. 50,000 tuition payment yields zero rewards.
What happens if I buy jewellery with this card?
Jewellery purchases are excluded. Even if you spend Rs. 1,00,000 at a jewellery store, you will not earn the base 1% cashback.
Will I earn cashback on ATM cash withdrawals?
No, cash advances and ATM cash withdrawals are excluded from rewards and will attract heavy fees and immediate interest.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹100 |
Cash Payment Fees ₹250 cash payment fee per deposit | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - ₹50000 | ₹1100 |
| ₹50001 - and above | ₹1300 |
Understanding the exact costs associated with a credit card is just as important as knowing its benefit...
Read MoreRead Less
Understanding the exact costs associated with a credit card is just as important as knowing its benefit...
Understanding the exact costs associated with a credit card is just as important as knowing its benefits. The Swiggy Ornge HDFC card keeps its primary fees low, but standard banking penalties apply for delayed payments or specific transaction types.
The joining fee for this card is Rs. 500 plus taxes. This is a one-time fee charged on your first statement, but it is effectively offset by the complimentary 12-month Swiggy One membership you receive upon activation.
From the second year, an annual renewal fee of Rs. 500 applies. However, the annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card. For example, if you spend Rs. 13,000 every month on the card, your yearly total hits Rs. 1.56 lakh, meaning you pay zero renewal fees.
The Annual Percentage Rate (APR) for this card is 43.2% per annum (3.6% per month). If you carry a balance instead of paying in full, interest is applied. For instance, leaving a Rs. 10,000 balance unpaid will accrue Rs. 360 in interest charges for that billing cycle.
Late payment charges follow a slab-based system, ranging from Rs. 100 to Rs. 1,300 depending on your total outstanding balance. For example, missing the due date on a Rs. 5,000 outstanding balance results in a Rs. 500 late fee, alongside the interest charges.
The foreign currency markup fee is set at 3.5% of the transaction value. International purchases attract this extra charge. Buying a software subscription online worth Rs. 10,000 from a US company will cost you an extra Rs. 350 in markup fees.
ATM cash withdrawals attract a cash advance fee of 2.5% of the amount withdrawn or Rs. 500, whichever is higher. Using a credit card at an ATM is highly discouraged as it also attracts immediate daily interest on the withdrawn cash.
HDFC Bank charges a convenience fee of 1% on all rent payments made through the credit card. Rent payments are completely excluded from earning cashback on this card, and using third-party portals usually incurs additional processing fees. Paying Rs. 20,000 in rent costs an extra Rs. 200 in bank charges with zero reward benefits.
The card provides a 1% fuel surcharge waiver, though standard transaction fees apply for IRCTC bookings without specific waivers for this variant.
A cash processing fee of Rs. 100 is charged for every bill payment made in cash at bank branches.
Cheque payments are free to process, but a return fee of Rs. 450 plus GST applies if the cheque bounces due to insufficient funds, which also impacts your credit score.
Since the card utilizes an automatic statement credit system for cashback, no reward redemption fees are charged.
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Rs. 500 + GST |
| Annual Fee | Rs. 500 + GST (Waived on Rs. 1.5 Lakh spend) |
| APR / Interest Rate | 3.6% per month (43.2% per annum) |
| Late Payment Fee | Slab-based (Rs. 100 - Rs. 1,300) |
| Forex Markup Fee | 3.5% of transaction value |
| ATM Withdrawal Fee | 2.5% or Rs. 500 (whichever is higher) |
| Rent Payment Fee | 1% of transaction value |
| Reward Redemption Fee | Rs. 0 (Auto-credited to statement) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card comes with a one-time joining fee of Rs. 500 plus applicable taxes.
What is the annual or renewal fee?
The recurring annual fee for the Swiggy Ornge HDFC card is Rs. 500 plus taxes.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card, as per bank policy.
How can I get this card lifetime free?
The standard annual fee is Rs. 500, but the bank offers the card as lifetime free for select corporate employees or during specific seasonal promotional campaigns.
What is the interest rate (APR) if I don't pay my full balance?
The interest rate is 3.6% per month (43.2% per annum). Revolving credit always attracts high monthly interest charges.
How is the interest calculated on outstanding balances?
Interest is calculated on a daily basis on the unpaid principal amount starting from the transaction date until the balance is paid in full.
What are the late payment charges?
Late fees follow a tiered system ranging from Rs. 100 to Rs. 1,300 based on your total outstanding balance.
Is the late payment fee different based on outstanding amount?
Yes, the fee increases based on specific balance slabs, with the maximum charge being Rs. 1,300 for balances over Rs. 50,000.
What is the forex markup for international transactions?
The bank applies a forex markup fee of 3.5% on all transactions made in foreign currencies.
Can I withdraw cash using my credit card?
You can withdraw cash up to your assigned cash limit, though ATM withdrawals are explicitly excluded from earning any rewards.
What are the cash withdrawal charges and limits?
Cash withdrawals incur a fee of 2.5% of the amount (minimum Rs. 500) plus immediate interest from the date of withdrawal.
Are there fees for paying rent with this card?
The bank charges a 1% convenience fee on all rent payment transactions. Note that rent payments are also excluded from earning any cashback.
Is there a fee for paying my bill in cash?
A cash processing fee of Rs. 100 is charged for every credit card bill payment made in cash at HDFC Bank branches.
What are the charges for cheque payment of bills?
Standard cheque clearing is free, but a fee of Rs. 450 plus GST is charged if the cheque is dishonored or bounces.
Is there a fee to redeem my reward points?
No, since accrued cashback is adjusted automatically in the monthly statement, manual redemption fees do not apply.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity documents are needed?
You will need your PAN card and a valid government ID like an Aadhaar Card, Passport, or Voter ID for identity verification.
What address proof is accepted?
Your Aadhaar card is the most common address proof. Alternatively, you can use a recent utility bill, passport, or driving license.
What income documents do salaried applicants need?
Salaried individuals must provide their latest 3 months' salary slips and bank statements showing salary credits.
What income documents are required for self-employed applicants?
Self-employed applicants must submit their latest Income Tax Returns (ITR) with computation of income, along with audited business financials.
Do I need physical photos?
If you complete Video KYC, live photos are captured during the call. If doing offline KYC, you will need recent passport-sized photographs.
Is a PAN card mandatory for this application?
Yes, holding a valid PAN card is strictly mandatory for applying for any credit card in India.
Who Should Get This Card?
If you find yourself constantly opening the Swiggy app for dinner, groceries via Instamart, or booking tables through Dineout, this card is built specifically for you. It caters heavily to the urban lifestyle where convenience apps dominate monthly spending. The fact that it throws in 5% cashback on Amazon, Flipkart, and Myntra elevates it from a mere food card to a robust lifestyle card. With an accessible income requirement of Rs. 20,000, it is an ideal first or second card for fresh graduates entering the workforce.
On the flip side, who should avoid this card? If your primary expenses are offline fuel, utility bills, rent, and education, this card offers virtually zero value due to its aggressive exclusion list. Additionally, frequent flyers looking for lounge access or air mile conversions should look elsewhere, as this card lacks any airport privileges.
Credit Limit and What to Expect
Your credit limit is not fixed and varies heavily based on your financial profile. When the bank evaluates your application, they look at your monthly income of Rs. 20,000 (or Rs. 6 lakh annually for self-employed), existing credit lines, and your CRIF score of 720. If you are an entry-level applicant barely meeting the criteria, expect a modest starting limit to help you build good credit habits. Over time, consistent repayment and high usage will prompt the bank to offer limit enhancements.
View FAQ
Commonly Asked Questions
What will my starting credit limit be?
Starting limits depend on your income and CRIF score. A person earning Rs. 20,000 monthly receives a starting limit between Rs. 25,000 and Rs. 40,000.
Can I increase my credit limit later?
Yes, after 6 to 12 months of consistent, timely bill payments, the bank extends pre-approved credit limit increase offers.
Does a higher salary guarantee a higher limit?
While a higher salary helps, your overall credit limit also depends heavily on your credit score and the existing debt you already carry.
Can I request a limit increase immediately after getting the card?
No, banks require you to use the card responsibly for at least six months before entertaining limit enhancement requests.
Will checking my eligibility lower my credit score?
Checking preliminary eligibility involves a soft inquiry which does not affect your credit score. The final application submission triggers a hard inquiry.
Can I set daily transaction limits on my card?
Yes, for security, you can use the bank's mobile app to set daily limits for online, offline, and contactless transactions.
How to Apply?
Applying for the HDFC Swiggy Ornge card is a completely digital experience. You can initiate your application via the bank's official website or through partner finance platforms. The application process will ask for basic personal details, employment information, and PAN card data. A soft credit check is performed to assess initial eligibility before you submit the final form. Once the form is submitted, the system will generate an Application Reference Number.
For KYC completion, Video KYC (VKYC) is the most efficient route. You will need your physical PAN card and a blank piece of paper for a live signature. The bank agent will verify your location and identity over a quick video call. Ensure you are in a well-lit room with stable internet. If VKYC fails due to connectivity issues, a bank representative visits your registered address for physical verification.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online directly through the bank's website or via the Swiggy mobile application.
What do I need for a successful Video KYC call?
Keep your original physical PAN card handy. Ensure you have a stable internet connection, good lighting, and a blank paper for your live signature.
Can I apply for this card completely online?
Yes, the entire process from form submission to Video KYC can be completed online from the comfort of your home.
How can I track my application status?
You can track your application status on the bank's official website using the Application Reference Number sent to your mobile phone.
How long does the approval process take?
Once the Video KYC is successful, the bank processes and dispatches the card within 7 to 10 working days.
What happens if my Video KYC fails?
If your Video KYC disconnects or fails, you will receive a link to try again, or you can opt for physical document collection by a bank representative.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Get 5% Cashback on Swiggy
spends across Food Delivery, Instamart and Dineout up to ₹1500 per billing cycle
Enjoy Swiggy One Membership for 12 Months
as a welcome benefit on card activation, claimable on the Swiggy app within 2 to 3 days
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.