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HDFC Swiggy Orange

Everyday cashback for food, dining and online spends.

Swiggy Orange HDFC Bank Credit Card

Swiggy

5%; shares ₹1,500/cycle cap with eligible online spends

Online

5%; shared Swiggy/online cap ₹1,500/cycle

Other spends

1% cashback, capped at Rs 1,000 per billing cycle

Welcome

Complimentary Swiggy One for 12 months

Golf

12 lessons + 4 complimentary green-fee rounds/year

5% across Swiggy

5% on eligible Swiggy Food Delivery, Instamart and Dineout; shares one ₹1,500 billing-cycle cap with eligible 5% online categories

5% select online

5% on eligible online merchant codes; shares the ₹1,500 billing-cycle cap with Swiggy, not a separate allowance

1% other spends

1% on other eligible categories; capped at Rs 1,000 per billing cycle At least ₹249 for 5% cashback and ₹100 for 1% cashback

12-month Swiggy One

Activate the card to receive a complimentary Swiggy One membership for 12 months.

Automatic statement credit

Cashback is automatically credited against the card account outstanding after the billing cycle.

Mastercard golf

Get 12 golf lessons and 4 complimentary green-fee rounds per calendar year.

HDFC Swiggy Ornge: fees & key facts

HDFC Swiggy Ornge credit card fees and key facts
Joining feeRs 500 + applicable taxes
Annual feeRs 500 + applicable taxes; waived on Rs 1.5 lakh annual spend before renewal
Welcome benefitComplimentary Swiggy One membership for 12 months after card activation
Swiggy cashback5% on eligible Swiggy Food Delivery, Instamart and Dineout; shares one ₹1,500 billing-cycle cap with eligible 5% online categories
Online cashback5% on eligible online merchant codes; shares the ₹1,500 billing-cycle cap with Swiggy, not a separate allowance
Other cashback1% on other eligible categories; capped at Rs 1,000 per billing cycle
Minimum transactionAt least ₹249 for 5% cashback and ₹100 for 1% cashback
Cashback redemptionCashback is automatically credited against the card account outstanding
Mastercard golf12 complimentary golf lessons per year, 4 complimentary green-fee rounds per calendar year and 50% discounted green fees on additional sessions
Interest-free periodUp to 50 days, depending on the transaction and statement dates
Excluded transactionsNo cashback on prepaid or gift cards, wallets, rent, government, gaming, education, fuel, jewellery, SmartPay, SmartBuy, EMI, cash advances, travellers cheques, foreign currency purchases and fees
EligibilitySalaried Indian residents aged 21 to 60 with net monthly income above Rs 20,000; self-employed Indian residents aged 21 to 65 with annual ITR above Rs 6 lakh

Public issuer terms checked 3 October 2026.

HDFC Swiggy terms, published 22 September 2026

Who should get it

Swiggy Ornge is a practical low-fee cashback card for households that regularly use Swiggy and also spend across eligible online merchants.

The combination of 5% cashback, automatic statement credit and a 12-month Swiggy One welcome membership makes the card easy to understand and use.

The trade-off is category discipline: Swiggy and eligible online 5% cashback share a Rs 1,500 billing-cycle cap, other-spend cashback caps at Rs 1,000, a minimum Rs 249 transaction applies to 5% cashback, and several common categories earn nothing.

Reward exclusions

Transactions that do not earn cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Wallets, prepaid cards, gift cards and vouchers
  • Rent, government, education and gaming
  • Fuel and jewellery
  • SmartPay, SmartBuy and EMI transactions
  • Cash advances, travellers cheques, foreign-currency purchases and fees
  • Swiggy Money and liquor purchases

Each cashback bucket has its own cap and minimum transaction size. The linked terms distinguish eligible merchant purchases from wallet loads and Swiggy Money.

Checked 3 October 2026Swiggy Ornge and BLCK September 2026 terms

HDFC Swiggy Ornge FAQs

How much cashback does Swiggy Ornge earn on Swiggy?

5% on eligible Swiggy Food Delivery, Instamart and Dineout; shares one ₹1,500 billing-cycle cap with eligible 5% online categories. At least ₹249 for 5% cashback and ₹100 for 1% cashback. Other eligible spending earns 1% within a separate ₹1,000 billing-cycle cap.

Does Swiggy Ornge earn 5% on all online spending?

5% on eligible Swiggy Food Delivery, Instamart and Dineout; shares one ₹1,500 billing-cycle cap with eligible 5% online categories. At least ₹249 for 5% cashback and ₹100 for 1% cashback. Other eligible spending earns 1% within a separate ₹1,000 billing-cycle cap.

What welcome benefit comes with the card?

Cardholders receive a complimentary 12-month Swiggy One membership after activating the card through an eligible activation action.

What is the Swiggy Ornge fee waiver?

The joining and renewal fee is Rs 500 plus applicable taxes. Spend Rs 1.5 lakh or more in the year before renewal to have the next renewal fee waived.

How is cashback redeemed?

5% on eligible Swiggy Food Delivery, Instamart and Dineout; shares one ₹1,500 billing-cycle cap with eligible 5% online categories. At least ₹249 for 5% cashback and ₹100 for 1% cashback. Other eligible spending earns 1% within a separate ₹1,000 billing-cycle cap.

Does Swiggy Ornge include airport lounge access?

HDFC's current Swiggy Ornge product page does not list complimentary airport lounge access. Its premium lifestyle extra is the Mastercard golf programme.

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