HDFC Bank Launches Swiggy ORNGE and Swiggy BLCK Credit Cards – Full Details

The HDFC Bank and Swiggy partnership has been quite popular among food delivery users in India. The earlier Swiggy HDFC Credit Card quickly became one of the most sought-after cashback credit cards thanks to its generous rewards on food delivery and online purchases.

However, things are now changing.

HDFC Bank has officially introduced two new Swiggy co-branded credit cards — Swiggy ORNGE Credit Card and Swiggy BLCK Credit Card — which will replace the earlier version of the Swiggy card.

These new cards come with updated designs, revised cashback structures, and new membership benefits.

Two New Swiggy Credit Cards: ORNGE and BLCK

The newly launched cards clearly segment users into basic and premium tiers.

Swiggy ORNGE Credit Card

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Complimentary 12-month Swiggy One membership

Swiggy BLCK Credit Card

• Joining Fee: ₹1,000 + GST
• Annual Fee: ₹1,000 + GST
• Complimentary 3-month Swiggy BLCK membership
• Higher cashback benefits

While the ORNGE card replaces the original Swiggy HDFC card, the BLCK variant is a completely new premium offering.

Swiggy ORNGE Credit Card – Cashback Structure

The Swiggy ORNGE Credit Card appears to be the successor to the original Swiggy card but comes with reduced cashback benefits.

Key Cashback Benefits

5% Cashback on Swiggy Spends

• Food Delivery
• Instamart
• Dineout

5% Cashback on Select Online Categories

• Apparel
• Pharmacies
• Pet Stores
• Personal Care
• Electronics
• Entertainment
• Travel
• Discount Stores
• Local Cabs

 Important Condition

5% cashback will apply only for transactions above ₹249.

Cashback Limits

• 5% categories combined cap: ₹1,500 per billing cycle
• 1% cashback on other spends: Up to ₹1,000 per billing cycle

Transactions below ₹249 will not earn cashback in the 5% category, which is a notable change from the previous card.

Swiggy BLCK Credit Card – Premium Cashback Card

The Swiggy BLCK Credit Card is designed as a premium food and lifestyle credit card.

For the first time, cardholders will receive a complimentary 3-month Swiggy BLCK membership, which unlocks additional discounts, priority offers, and exclusive deals.

Cashback Structure

10% Cashback on Swiggy App

• Food Delivery
• Instamart
• Dineout

Maximum cashback: ₹1,500 per billing cycle

5% Cashback on Online Categories

• Apparel
• Pharmacies
• Pet Stores
• Personal Care
• Electronics
• Entertainment
• Travel
• Discount Stores
• Local Cabs

Maximum cashback: ₹1,500 per billing cycle

1% Cashback on Other Spends

• Up to ₹1,000 per billing cycle

Minimum Transaction Conditions

• ₹249 minimum transaction for 10% cashback on Swiggy
• ₹100 minimum transaction for 5% and 1% categories

Overall, the BLCK card offers higher cashback potential but with a higher annual fee.

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Swiggy ORNGE vs Swiggy BLCK – Quick Comparison

Read More: Best Dining Credit Cards in India

What Happens to Existing Swiggy HDFC Card Users?

Many users are wondering what will happen to the existing Swiggy HDFC Credit Card holders.

At the moment, it is unclear whether current users will be migrated automatically to either the ORNGE or BLCK variant. The bank has only provided limited information regarding the transition.

Interestingly, a large number of customers received the original Swiggy card as Lifetime Free (LTF), which made it one of the most rewarding cashback cards in India.

Competition Heating Up

With the changes in the Swiggy card lineup, some users are reconsidering other cashback cards.

One popular alternative is the Airtel Axis Bank Credit Card, which continues to offer 10% cashback on Swiggy food orders along with strong rewards on telecom and utility payments.

Bottom Line

The launch of Swiggy ORNGE and Swiggy BLCK credit cards marks a major shift in the Swiggy-HDFC partnership.

While the ORNGE card replaces the old Swiggy card with slightly reduced benefits, the BLCK card introduces a premium tier with higher cashback and exclusive membership perks.

However, many users still believe that the original Swiggy HDFC Credit Card offered better value, especially for those who received it as a lifetime free card.

Going forward, it will be interesting to see how existing users are migrated and how these new cards perform in the competitive cashback credit card segment.

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