M16S / HDFC Bank / HDFC Swiggy Ornge Credit Card
entry · cobrand, cashback
HDFC Swiggy Ornge Credit Card
The HDFC Swiggy Ornge Credit Card costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 1% (1% cashback on other eligible spends). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on hdfc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Joining/renewal fee Rs 500 + charges; renewal fee waived on Rs 1.5 lakh annual spend, cash on call and cash withdrawals excluded (HDFC page). |
Rewards
| Welcome benefit | 12-month Swiggy One membership on card activation |
|---|---|
| Reward currency | Cashback (statement credit) |
| Base earn | 1% cashback on other eligible spends |
| Base return | 1% |
| Point value | Cashback auto-redeemed against the card outstanding at face value |
| Accelerated earn | 5% on Swiggy app spends (food, Instamart, Dineout) and 5% on select online merchants/MCCs; minimum transaction Rs 249 for the 5% rate |
| Caps | 5% categories: combined Rs 1,500 per billing cycle; 1%: Rs 1,000 per cycle; overall Rs 2,500 per statement cycle (MITC) |
| Spends that earn nothingunverified | Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases |
| Points expiry | Not applicable |
| Reward notes | Cashback posts against the statement automatically. Base return = 1%. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | Mastercard golf: 12 free lessons a year, 4 complimentary green-fee rounds per calendar year, 50% off further rounds; up to 50 interest-free days |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net monthly income above Rs 20,000; self-employed: age 21-65, ITR above Rs 6 lakh a year |
| Fine-print notes | Replaced the original Swiggy HDFC card for new applicants. Fees, interest and late charges read from the HDFC Key Fact Statement hosted by Swiggy. Issuer product page read 2026-10-12. Cashback caps and the exclusion list are not on the product page (caps from MITC, exclusions from aggregator). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Swiggy Ornge Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the HDFC Swiggy Ornge Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the HDFC Swiggy Ornge Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Swiggy Ornge Credit Card?
- Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases