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Credit CardsComparisons

Swiggy BLCK HDFC Bank Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

A head-to-head comparison of Swiggy BLCK HDFC Bank 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
₹1,000
Reward Rate
10% on Swiggy, 5% Online
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CashbackCard B
Annual Fee
₹500
Reward Rate
5% on Swiggy + Online
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Feature comparison

FeatureSwiggy BLCKSwiggy ORNGE
Annual Fee₹1,000 (Waived on ₹2L spend; joining fee waived on ₹75K in first 90 days)₹500 (Waived on ₹1.5L spend)
Reward Rate10% on Swiggy, 5% Online5% on Swiggy + Online
Best ForHeavy Swiggy UsersCasual Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategorySwiggy BLCKSwiggy ORNGE
Online shopping
Dining

Quick verdict

Choose Swiggy BLCK HDFC Bank Credit Card if:

    Choose Swiggy ORNGE HDFC Bank Credit Card if:

    • Lower annual fee (₹500 vs ₹1,000)
    • This is your first credit card

    Full pros & cons

    Swiggy BLCK HDFC Bank Credit Card

    What's good
    • 10% cashback on Swiggy app spends — food ordering, Instamart, and Dineout (min ₹249/txn, capped ₹1,500/month)
    • 5% cashback on select online categories: apparel, electronics, pharmacies, cabs, travel, entertainment, Nykaa, Cleartrip, etc. (min ₹100, capped ₹1,500/month)
    • Complimentary 3-month Swiggy BLCK Membership on activation
    • Up to 19% off Cleartrip hotels + 6% on travel bookings; 12 free golf lessons + 4 green fees/year
    Watch out for
    • 1% cashback on non-category spends capped at just ₹1,000/month
    • 10% Swiggy cashback requires minimum ₹249 per order
    • No airport lounge access despite being the premium variant
    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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