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HDFC Swiggy Ornge Credit Card

★ 4.0 / 5 ⓘ How we rate

5% on Swiggy + free Swiggy One for a full year

✅ Verified Oct 2026 from HDFC Bank's official terms →

Joining: ₹500Annual: ₹500🎁 1% – 5% cashback
Apply Now — it's free → 🔒 You'll apply on HDFC Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🍔
5% on SwiggyFood, Instamart, Dineout
🛍️
5% onlineAmazon, Flipkart, Nykaa, Netflix
🎉
Swiggy Onefree for 12 months
👤
Perfect for

Students & young earners who order on Swiggy

Key benefits

  • 5% cashback on Swiggy Food, Instamart and Dineout
  • 5% cashback on select online shopping, travel, pharmacy & entertainment
  • 1% cashback on other eligible spends
  • Free Swiggy One membership for 12 months on activation
  • Birthday-week extra 10% off on Swiggy Dineout
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Low ₹500 fee
  • Year-long Swiggy One membership
  • Low ₹20,000/month income needed

Good to know

  • Swiggy cashback capped at ₹1,500 per bill
  • 1% cashback capped at ₹1,000 per bill
  • No lounge access

Quick facts

Fee waiverRenewal fee waived on ₹1.5 lakh yearly spend
Lounge accessNone
Min. income₹20,000/month
Age21 – 60 years
Credit score720+
NetworkMastercard
Forex markup3.5%
Joining fee₹500 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ HDFC Swiggy Ornge — common questions

Is the HDFC Swiggy Ornge Credit Card lifetime free?

No. It has a joining fee of ₹500 and an annual fee of ₹500 (plus 18% GST). Renewal fee waived on ₹1.5 lakh yearly spend.

What rewards does the HDFC Swiggy Ornge Credit Card give?

1% – 5% cashback. 5% cashback on Swiggy Food, Instamart and Dineout.

Who is eligible for the HDFC Swiggy Ornge Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.

Does the HDFC Swiggy Ornge Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the HDFC Swiggy Ornge Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the HDFC Swiggy Ornge Credit Card?

Students & young earners who order on Swiggy.

Explore💸 Cashback Cards🛍️ Shopping Cards🌱 First Credit Card🔷 HDFC Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

HDFC Bank Swiggy OrngeApply in ~5 min
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