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HDFC Bank

Swiggy Ornge HDFC Bank Credit Card

Swiggy Ornge HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-08-04

Fees & welcome

Joining fee

₹500 + Applicable Charges.

Verified · Swiggy Ornge HDFC Bank Credit Card product page · 2026-08-04 · source

Annual / renewal fee

₹500 + applicable taxes (charged once; renewal fee of ₹500 from second year onwards, levied within 120 days).

Verified · Swiggy Ornge HDFC Bank Credit Card product page · 2026-08-04 · source

Fee waiver

Renewal fee waived on spends of ₹1,50,000 or more in the preceding year (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

Verified · harvested from product page · 2026-08-04 · source

Welcome benefit

  • Complimentary Swiggy One Membership for 12 months as welcome benefit (extended by 12 months for existing Swiggy One members).
  • Card must be activated within 37 days of issuance.
  • Claim 'Swiggy One' on Swiggy app post activation.

Verified · harvested from product page · 2026-08-04 · source

Earn rates

  • 5% cashback on Swiggy App (Food Delivery, Instamart, Dineout) capped ₹1500/billing cycle.
  • 5% cashback on select online merchants/categories (Apparels, Pharmacies, Pet stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores, Local cabs) capped ₹1500/billing cycle.
  • 1% cashback on other categories capped ₹1000/billing cycle.
  • Minimum transaction ₹249 to earn 5% cashback.
  • ₹100 to earn 1% cashback.

Verified · harvested from product page · 2026-08-04 · source

Fees & charges

Interest-free period

  • Interest free (grace) period of up to 20 to 50 days, subject to scheme.
  • Not applicable if previous balance not cleared in full or if cash withdrawn from ATM.

Verified · MITC – Swiggy Ornge HDFC Bank Credit Card (March 2026) · 2026-08-04 · source

Fuel

Fuel surcharge waiver

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5000.
  • Maximum waiver ₹250 per billing cycle (GST on fuel surcharge not reversed).

Verified · MITC – Swiggy Ornge HDFC Bank Credit Card (March 2026) · 2026-08-04 · source

Rewards

Redemption value

  • Cashback earned in current billing cycle is auto-redeemed against outstanding amount (excluding finance charges).
  • No separate redemption.
  • Cashback posted per posting date.
  • Reversed for EMI conversion/returns.

Verified · harvested from product page · 2026-08-04 · source

Reward cap

  • 5% cashback capped at ₹1500 per billing cycle (Swiggy App and select online).
  • 1% cashback capped at ₹1000 per billing cycle (other categories).

Verified · harvested from product page · 2026-08-04 · source

Reward exclusion

Prepaid Card/Gift Card/WalletRentGovernment related transactionsGamingEducationFuelJewellerySmartpaySmartbuy portalEMI (all types)Cash advancesPurchase of travelers' chequesPurchase of foreign currency and fees. 5% online excludes Swiggy Money Wallet and Swiggy Liquor

Verified · harvested from product page · 2026-08-04 · source

Travel & lifestyle

Dining benefit

  • Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3000 during birthday week (7 days: 3 days prior and 3 days after birthday).
  • Over and above 10% cashback on Swiggy Dineout.
  • Once per cardholder.
  • Eligible only 30 days after card activation.

Verified · harvested from product page · 2026-08-04 · source

Travel benefit

  • Cleartrip: 5% cashback + 6.35% instant discount on flight bookings and 20% instant discount on hotel bookings via Cleartrip (coupon CTSWHDFC; limited period).
  • Nykaa: 5% cashback + 5% instant discount (on transactions of ₹1000+, capped ₹100 per txn, max two txns per month).

Verified · harvested from product page · 2026-08-04 · source

Protection

Insurance

Zero liability on fraudulent transactions if the loss of card is reported immediately to the 24-hour call centre.

Verified · Swiggy Ornge HDFC Bank Credit Card product page · 2026-08-04 · source

Statement credit

Nykaa: 5% cashback + 5% instant discount (instant discount applies only on transactions of ₹1000 and above, capped to ₹100 per transaction, maximum two transactions per month) - limited period offer.

Verified · harvested from product page · 2026-08-04 · source

Eligibility

Eligibility

  • Card variants issued based on combination of income criteria, customer's credit profile & location.
  • Offered only under Mastercard World platform.

Verified · harvested from product page · 2026-08-04 · source

Official sources

Official issuer pageharvested from product pageMITC – Swiggy Ornge HDFC Bank Credit Card (March 2026)

Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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