Joining Fee: ₹500* Plus Applicable Taxes
Renewal Fee: ₹500*Plus Applicable Taxes
Joining Fee: ₹500* + Tax
Renewal Fee: ₹500* + Tax
Earn up to 5% cashback on online transactions
Save up to 5% on Swiggy food orders and Instamart spends
Get complimentary Swiggy One membership for 12 months
Author: MybankingTips Team
Welcome benefits:- Complimentary Swiggy One membership for 12 months on card activation.
Check your eligibility For This Card
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The Swiggy ORNGE HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank and Swiggy, designed as the entry-tier variant of the Swiggy card lineup. It delivers flat 5% cashback on all Swiggy app spends — food orders, Instamart, and Dineout — plus 5% on a wide range of popular online brands, making it a powerful everyday cashback card for digital-first consumers at a very accessible annual fee of just ₹500.
The Swiggy ORNGE is the more affordable sibling of the Swiggy BLCK HDFC Bank Credit Card. While BLCK offers 10% cashback on Swiggy, the ORNGE variant delivers a strong 5% cashback across the entire Swiggy ecosystem — food delivery, grocery via Instamart, and restaurant dining through Dineout. The card also extends 5% cashback to a massive list of online merchants including Amazon, Flipkart, Myntra, Netflix, Uber, and more.
One of its biggest differentiators at the ₹500 price point is the complimentary 12-month Swiggy One membership upon activation — a subscription worth significantly more than the card's joining fee. Cashback is credited automatically as statement credit, meaning no redemption hassle. The annual fee is easily waived by spending just ₹1.5 lakh in a year.
Who is this card for? The Swiggy ORNGE HDFC Bank Credit Card is perfect for frequent Swiggy users, everyday online shoppers, and anyone wanting a low-fee cashback card that rewards their digital lifestyle. If you spend ₹5,000+ a month on Swiggy and online shopping, this card pays for itself many times over.
The Swiggy ORNGE HDFC Bank Credit Card uses a simple, three-tier cashback structure — no reward points, no complex redemptions. Cashback is credited directly to your card account as a statement credit:
On Swiggy App
Food orders, Instamart & Dineout. Min. transaction ₹249. Capped at ₹1,500/month.
Online Spends
Amazon, Flipkart, Myntra, Netflix, Uber & 50+ more brands. Min. ₹100. Capped at ₹1,500/month.
All Other Spends
On all other eligible transactions. Min. ₹100. Capped at ₹1,000/month.
The following major brands and categories qualify for the 5% cashback rate:
Excluded Categories: Fuel, rent, wallet loads, gaming, jewellery purchases, gift cards, education payments via third-party apps, government transactions, SmartBuy portal, Swiggy Money Wallet, Swiggy Liquor, and cash advances do not earn cashback.
Get a complimentary 1-year Swiggy One membership upon card activation. Enjoy unlimited free delivery, exclusive restaurant discounts, and priority Instamart delivery across Swiggy.
Celebrate in style — get an additional 10% off (up to ₹500) on Swiggy Dineout orders during your birthday week on a minimum spend of ₹3,000. A delicious birthday perk!
Enjoy 12 complimentary golf coaching lessons annually (1 per month) at leading golf courses through the Mastercard World Golf Program — an exclusive perk rarely seen at this price point.
Get 4 free green-fee rounds every calendar year (1 per quarter) at select premium golf courses. Beyond the complimentary quota, enjoy 50% discounted green fees on additional sessions.
Earn 5% cashback on Cleartrip bookings plus exclusive additional offers on flights and hotels — making it a powerful card for domestic travellers who book through Cleartrip.
Earn 5% cashback on all Nykaa purchases, plus special partner discounts on select beauty and personal care categories through the Swiggy ORNGE Nykaa partnership.
Tap-and-go contactless payments at retail outlets for transactions up to ₹5,000 without entering a PIN. Fast, secure, and hygienic for everyday spending.
Save 1% on fuel surcharge at petrol stations across India. The convenience fee is waived on transactions between ₹400 and ₹1,00,000 per statement cycle.
Report your lost or stolen card immediately to HDFC's 24-hour helpline and you face zero liability on any fraudulent transactions made after reporting.
Enjoy up to 50 interest-free days on your purchases from the date of transaction (subject to merchant charge submission). Manage cash flow smartly with this card.
Smart Tip: The 12-month Swiggy One membership alone is worth ₹1,299 — more than double the ₹500 joining fee. That means the card effectively pays you a net profit on Day 1, before earning a single rupee in cashback!
Apply online in minutes — free eligibility check, zero CIBIL impact, and instant cashback from your very first Swiggy order.
Fee Waiver Made Easy: Spend just ₹1,50,000 in the preceding year (₹12,500/month on average) to get the ₹500 renewal fee waived entirely. That's less than ₹5,000 more per month than a typical active Swiggy user spends online anyway.
The Swiggy ORNGE HDFC Bank Credit Card can be applied for directly online. Here are the standard eligibility requirements:
Minimum 21 years, Maximum 60 years at the time of application.
Minimum 21 years, Maximum 65 years at the time of application.
Minimum monthly income of ₹1,00,000 (₹12 lakh+ per annum). Latest salary slips required.
Annual ITR (Income Tax Return) of ₹12 lakh or above in the most recent filing year.
A CIBIL score of 700+ is recommended. Existing HDFC bank customers with good repayment history have better approval chances.
Indian Resident. Available to both salaried employees and self-employed professionals/business owners.
Applying for the Swiggy ORNGE HDFC Bank Credit Card is quick and fully online. Follow these steps:
Go to the HDFC Bank website and navigate to the Swiggy ORNGE Credit Card page, or use the Apply Now button on this page to go directly.
Enter your personal information — name, mobile number, PAN, date of birth, email ID, and employment type. Existing HDFC customers can auto-fill some details via net banking login.
Upload your identity proof, address proof, income documents (salary slips / ITR), and a recent photograph. All uploads are encrypted and secure.
HDFC Bank verifies your documents and runs a credit check. In-principle approval typically comes within minutes to a few hours for eligible applicants.
Your Swiggy ORNGE HDFC Card is dispatched within 7–10 working days. Activate it via the HDFC MyCards app or by making your first transaction to unlock the Swiggy One membership.
* Data as of 2025. Benefits subject to change. Verify current T&Cs with respective issuers.
The ORNGE is the entry-tier card (₹500/yr) offering 5% cashback on Swiggy and a 12-month Swiggy One membership. The BLCK is the premium variant (₹1,000/yr) offering 10% cashback on Swiggy and a 3-month BLCK membership. Both offer 5% on select online brands and 1% on all other spends. ORNGE is better value for most users thanks to the longer membership and lower fee.
Cashback is automatically credited to your card account as a statement credit, based on the cashback billing cycle and applicable terms. There is no manual redemption required — it directly reduces your outstanding bill. Cashback from the current month's spends is credited in the next billing cycle.
Yes. Spend ₹1,50,000 or more in the 12 months before your renewal date and the ₹500 annual renewal fee is completely waived for the next year. This translates to just ₹12,500 per month in card spending — very achievable for regular online shoppers and Swiggy users.
No. The Swiggy ORNGE HDFC Bank Credit Card does not offer complimentary airport lounge access. This is a trade-off for the very low ₹500 annual fee and high cashback rates. If lounge access is important to you, consider the HDFC Millennia or Regalia Gold cards instead.
The maximum total cashback you can earn per billing month is ₹2,500 — comprising ₹1,500 from the 5% Swiggy cashback category, ₹1,500 from the 5% online brands category (note: combined with Swiggy cap of ₹1,500), and ₹1,000 from the 1% other spends category. To hit the full ₹2,500 cap, you'd need to spend ₹30,000 on Swiggy and ₹30,000 on online brands monthly.
Absolutely. The card earns 5% cashback across a massive list of 50+ brands including Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, Netflix, Hotstar, Cleartrip, BookMyShow, and many more. This makes it one of the best everyday online shopping cards available at the ₹500 fee level in India.
Yes. HDFC Bank generally allows customers to hold co-branded cards (like the Swiggy ORNGE) alongside their core HDFC credit cards such as Regalia Gold or Millennia. This makes the ORNGE an excellent companion card to maximise cashback on Swiggy and online spending categories. Always confirm with HDFC directly for your specific profile.
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