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Credit CardsComparisons

SBI Cashback Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

A head-to-head comparison of SBI Cashback Credit Card and Swiggy ORNGE HDFC Bank Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A
Annual Fee
₹999
Reward Rate
5% Flat Cashback
Apply Now Read full review →
CashbackCard B
Annual Fee
₹500
Reward Rate
5% on Swiggy + Online
Apply Now Read full review →

Feature comparison

FeatureSBI CashbackSwiggy ORNGE
Annual Fee₹999 (Waived on ₹2L spend)₹500 (Waived on ₹1.5L spend)
Reward Rate5% Flat Cashback5% on Swiggy + Online
Best ForOnline ShoppingCasual Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategorySBI CashbackSwiggy ORNGE
Online shopping
Dining

Quick verdict

Choose SBI Cashback Credit Card if:

    Choose Swiggy ORNGE HDFC Bank Credit Card if:

    • Lower annual fee (₹500 vs ₹999)
    • You spend heavily on dining
    • This is your first credit card

    Full pros & cons

    SBI Cashback Credit Card

    What's good
    • Direct statement credit — no point conversion needed
    • Works across Amazon, Flipkart, Swiggy, and 100+ online merchants
    • 1% cashback on offline POS spends (capped at ₹2,000/month)
    Watch out for
    • 5% online cashback capped at ₹2,000/cycle; total cap across categories: ₹4,000/cycle (reduced from ₹5,000 in April 2026)
    • Government, rent, wallet load, utility, toll, and digital gaming payments excluded
    • No airport lounge access
    Apply Now

    Swiggy ORNGE HDFC Bank Credit Card

    What's good
    • 5% cashback on Swiggy (food, Instamart, Dineout) + 50+ online merchants including Amazon, Flipkart, Myntra, Nykaa, Cleartrip — combined cap of ₹1,500/month (min ₹249/txn)
    • Complimentary 12-month Swiggy One membership on activation (worth more than the ₹500 fee)
    • Additional 10% off on Swiggy Dineout during birthday week
    Watch out for
    • No 10% Swiggy cashback — only the BLCK variant gets that rate
    • 1% cashback on non-category spends capped at ₹1,000/month
    • No lounge access or travel perks
    Apply Now
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