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HDFC BankSwiggy ORNGE
Mastercard

HDFC Bank · Mastercard

Swiggy ORNGE

Joining ₹500 · Annual ₹500 · Renewal fee waived on spends of ₹1,50,000 or more in the preceding year

Fee break-even: ≈₹50,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Cashback. True cashback credited straight to the card statement. No Swiggy Money wallet, no conversion, no redemption fee, nothing to expire. It appears as statement line items such as '5% Swiggy ORNGE Cashback'. Cashback is computed on posting date, netted against refunds in the same period, and any discrepancy must be raised in writing within 30 days of the statement. Unredeemed cashback is forfeited if the card is cancelled or if you miss the Minimum Amount Due.

Verified 10 Aug 2026
Forex markup3.5%
ConciergeNone
Domestic loungeNone
International loungeNone
GolfReported as a Mastercard World network benefit rather than a Swiggy co-brand one: ~4 complimentary green-fee rounds plus 12 golf lessons a year and 50% off golf services. It appears nowhere in HDFC's own ORNGE T&C, so it is governed by Mastercard's terms and can change without the card changing.
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · No cashback on EMI of any type. And converting a transaction to EMI reverses cashback already earned on it in a later statement, even if you foreclose or cancel the EMI
Fuel surchargeReported as the standard HDFC 1% waiver on fuel transactions of ₹400 to ₹5,000, capped ₹250 per cycle. Not stated in HDFC's Swiggy ORNGE T&C, so unverified. Fuel earns no cashback either way.

Return by category

CategoryReturnNotes
Online spend1%The 5% covers a listed set of merchants and MCCs, including Amazon, Flipkart, Myntra, Nykaa, Ajio, Meesho, Netflix, Hotstar, BookMyShow and Cleartrip, plus apparel, pharmacy, electronics and local-cab codes, on a ₹100 minimum. Anything on an unlisted code drops to the 1% base, and HDFC takes no responsibility if a merchant tags its own code wrongly.
Amazon5%₹1,500 per billing cycle, shared with the Swiggy-app buckets · Only select merchants on HDFC's listed MCCs: Amazon, Flipkart, Myntra, Nykaa, Ajio, Meesho, Netflix, Hotstar, BookMyShow and Cleartrip, plus apparel, pharmacy, pet store, personal care, electronics (Reliance Retail, Croma, Vijay Sales) and local-cab (Ola, Uber, Zoom) MCCs. ₹100 minimum. Anything on an unlisted MCC drops to 1%, and HDFC disclaims responsibility if a merchant tags its MCC wrongly.
Flipkart5%₹1,500 per billing cycle, shared with the Swiggy-app buckets · Only select merchants on HDFC's listed MCCs: Amazon, Flipkart, Myntra, Nykaa, Ajio, Meesho, Netflix, Hotstar, BookMyShow and Cleartrip, plus apparel, pharmacy, pet store, personal care, electronics (Reliance Retail, Croma, Vijay Sales) and local-cab (Ola, Uber, Zoom) MCCs. ₹100 minimum. Anything on an unlisted MCC drops to 1%, and HDFC disclaims responsibility if a merchant tags its MCC wrongly.
Subscriptions & OTT1%Uses its online rate
Offline spend1%Base rate
UPI spending0%Mastercard-only product with no RuPay variant, so it cannot be linked to UPI at all
Dining1%Swiggy Food Delivery and Swiggy Dineout only, with a hard ₹249 minimum per transaction. Restaurants paid directly, or Zomato, earn the 1% base. Swiggy Money wallet top-ups and Swiggy Liquor are excluded.
Swiggy5%₹1,500 per billing cycle, SHARED across every 5% bucket (Swiggy app + select online) · Swiggy Food Delivery and Swiggy Dineout only, with a hard ₹249 minimum per transaction. Restaurants paid directly, or Zomato, earn the 1% base. Swiggy Money wallet top-ups and Swiggy Liquor are excluded.
Zomato1%Uses its dining rate
Groceries1%Base rate
Quick commerce1%Swiggy Instamart only, ₹249 minimum. Blinkit, Zepto and BigBasket earn the 1% base. And ordinary supermarket grocery MCCs are not on the 5% online list either, so groceries outside Instamart sit at 1%.
Swiggy Instamart5%₹1,500 per billing cycle, shared with the other 5% buckets · Swiggy Instamart only, ₹249 minimum. Blinkit, Zepto and BigBasket earn the 1% base. And ordinary supermarket grocery MCCs are not on the 5% online list either, so groceries outside Instamart sit at 1%.
Blinkit1%Uses its quick-commerce rate
BigBasket1%Base rate
Movies & shows1%The 5% reaches films only through the online entertainment merchants, BookMyShow among them. A cinema paid at the counter earns the 1% base.
BookMyShow5%₹1,500 per billing cycle, shared with the Swiggy-app buckets · Only select merchants on HDFC's listed MCCs: Amazon, Flipkart, Myntra, Nykaa, Ajio, Meesho, Netflix, Hotstar, BookMyShow and Cleartrip, plus apparel, pharmacy, pet store, personal care, electronics (Reliance Retail, Croma, Vijay Sales) and local-cab (Ola, Uber, Zoom) MCCs. ₹100 minimum. Anything on an unlisted MCC drops to 1%, and HDFC disclaims responsibility if a merchant tags its MCC wrongly.
PVR INOX1%Uses its movies rate
Fuel0%No cashback on fuel
Travel (general)5%₹1,500 per billing cycle, shared with the other 5% buckets · Online travel agents only. Cleartrip, Paytm Travel, EaseMyTrip, Ixigo, Yatra and ibibo on MCCs 4111/4112/4121/4131/4722/7011. Cleartrip additionally stacks 6% instant discount on travel and 19% on hotels. Flights and hotels booked direct with an airline or hotel are not on the eligible-merchant list and earn 1%.
Flights1%Only online travel agents earn the 5%, so a flight booked direct with the airline or hotel earns the 1% base. Booking the same flight through Cleartrip, EaseMyTrip, Ixigo, Yatra, ibibo or Paytm Travel gets the accelerated rate.
Hotels1%Only online travel agents earn the 5%, so a hotel booked direct with the airline or hotel earns the 1% base. Booking the same hotel through Cleartrip, EaseMyTrip, Ixigo, Yatra, ibibo or Paytm Travel gets the accelerated rate.
MakeMyTrip5%Uses its travel rate
IRCTC rail5%Uses its travel rate
International−2.5%1% reward − 3.5% forex markup
Utilities & bills1%Base rate
Rent0%No cashback. HDFC also charges 1% on rent, capped ₹4,999/month
Education fees0%No cashback
Insurance premiums1%Base rate
Government & tax0%No cashback on government transactions
Wallet loads0%No cashback. HDFC also charges 1% on wallet loads above ₹10,000/month
Anything else1%Base rate
Jewellery0%No cashback

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

  • Launch/availability: HDFC's own combined ORNGE + BLCK terms document is stamped 'Published on 04-03-2026' and the launch was announced 9 March 2026.
  • Mapping of existing original-Swiggy-card holders: HDFC has NOT clarified this. As of Aug 2026 existing holders simply keep their old card, its 10% Swiggy rate and its ₹500 fee, and no migration to ORNGE or BLCK has been announced. Anyone telling you the old card maps to ORNGE is guessing.
  • Minimum-order rule is real and strict, not a rounding-down: a Swiggy transaction below ₹249 earns ZERO, not a reduced rate. HDFC's own statement example shows a ₹150 Swiggy order earning ₹0 against a ₹1,000 order earning ₹50. Non-Swiggy categories need a ₹100 minimum.
  • The defining weakness vs BLCK: ORNGE's two 5% buckets SHARE a single ₹1,500 per-cycle cap. HDFC's rate table prints ₹1,500 once, spanning both 5% rows, and Swiggy quotes a ₹30,000 annual cashback maximum. Exactly (₹1,500 + ₹1,000) × 12. On BLCK the online bucket gets its own ₹1,500. So ORNGE effectively pays 5% on only ₹30,000 of combined Swiggy-plus-online spend per month.
  • Welcome benefit: complimentary 12-month Swiggy One membership. The card must be activated within 37 days of issuance and 'Swiggy One' claimed in the Swiggy app 2 to 3 days after activation. If you already hold Swiggy One it is topped up after the current term expires. If you hold a BLCK membership the new One membership is disabled until the BLCK one runs out.
  • Birthday week: an extra 10% off Swiggy Dineout up to ₹500 on a minimum ₹3,000 bill, stacking on top of the Dineout cashback. Window is 3 days either side of your bank-registered birthday, once per cardholder, coupon SWIGGYCARDBDAY, and only if the card was activated more than 30 days earlier.
  • Nykaa stacks 5% cashback plus 5% instant discount. Cleartrip stacks 5% cashback plus 6%/19% instant discounts on travel/hotels.
  • No joining-fee waiver is offered on ORNGE. Unlike BLCK, which waives its ₹1,000 joining fee on ₹75,000 of spend in 90 days.
  • Bank-wide HDFC fees apply: 1% on rent, wallet loads above ₹10,000/month, fuel above ₹15,000/month and utilities above ₹50,000/month, each capped ₹4,999. Note all of these categories already earn zero cashback on this card, so they are pure cost.
  • All caps here are per billing cycle / calendar month with no carry-forward, so lumpy spending wastes them.

Other exclusions

  • No cashback
  • Prepaid card and gift card loads earn nothing
  • No cashback on EMI of any type. And converting a transaction to EMI reverses cashback already earned on it in a later statement, even if you foreclose or cancel the EMI
  • No cashback on cash advances or cheque purchases

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.

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