Is the Swiggy One membership free with Swiggy ORNGE?

Yes. Swiggy ORNGE comes with a complimentary 12-month Swiggy One membership on card activation. Swiggy One provides free delivery on orders above ₹99, extra discounts, and priority support. At ₹1,499 annual value, it exceeds the card's ₹500 annual fee on its own, effectively making the first year's card fee negative.

Does Axis ACE give rewards on Zomato?

Yes. Axis ACE gives 4% cashback on Swiggy, Zomato, and Ola (as of mid-2026; partner lists and accelerated rates change often — verify on the issuer's current T&C). Swiggy ORNGE does not list Zomato as a partner — Zomato transactions on the ORNGE card earn at the 5% partner rate only if Zomato is in the 50+ partner list, which it is not explicitly. For anyone who orders from both apps, ACE's consistent 4% on both is an advantage.

Credit CardsComparisons

Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank ACE Credit Card

The Swiggy ORNGE HDFC Credit Card and Axis Bank ACE Credit Card both reward food delivery orders, but with different structures. Swiggy ORNGE gives a higher 5% rate on Swiggy specifically, plus a complimentary 12-month Swiggy One membership worth ₹1,499. Axis ACE gives a lower 4% on Swiggy but also covers Zomato and Ola at the same rate — and gives 1.5% flat on everything else, making it a much more versatile everyday card.

Swiggy ORNGE is better if Swiggy is your primary food app and you'll use the Swiggy One membership; Axis ACE is better for balanced spenders who use both Swiggy and Zomato.

CashbackCard A

Swiggy ORNGE HDFC Bank Credit Card

Casual Swiggy Users

Annual Fee

₹500

Reward Rate

5% on Swiggy + Online

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Recommended

Grocery & RetailCard B

Axis Bank ACE Credit Card

Retail & Groceries

Annual Fee

₹499

Reward Rate

1.5% Flat Cashback

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Feature comparison

Feature	Swiggy ORNGE	Axis Bank
Annual Fee	₹500 (Waived on ₹1.5L spend)	₹499 (Waived on ₹2L spend)
Reward Rate	5% on Swiggy + Online	1.5% Flat Cashback
Best For	Casual Swiggy Users	Retail & Groceries
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

Category	Swiggy ORNGE	Axis Bank
Online shopping
Groceries
Dining
Utility bills
Everyday spending

Earning example

Scenario: Monthly spend: ₹4,000 Swiggy + ₹2,000 Zomato + ₹20,000 other

Swiggy ORNGE HDFC Bank Credit Card

₹200 Swiggy (5%) + ₹100 other-online (5%) + ₹200 elsewhere (1%) = ₹500

Plus Swiggy One membership (₹125/month value if used). Cap ₹1,500/month.

Axis Bank ACE Credit Card

₹160 Swiggy (4%) + ₹80 Zomato (4%) + ₹300 other (1.5%) = ₹540

Uncapped 1.5%. Utility bills via GPay: extra 5%.

Our verdict: which card should you pick?

Pick Swiggy ORNGE HDFC Bank Credit Card

Swiggy is your only food-delivery app and you order 10+ times per month — the 5% rate plus Swiggy One membership (free delivery, priority ordering) provides more combined value.
You shop on the Swiggy ORNGE partner network (Amazon, Flipkart, Myntra, Nykaa, Cleartrip) and want 5% on all of those.
You would pay for a Swiggy One subscription anyway — the free 12-month membership alone is worth ₹1,499, more than the card's ₹500 annual fee.

Pick Axis Bank ACE Credit Card

You split food orders between Swiggy and Zomato — ACE gives 4% on both without penalty.
You want an everyday card that earns on groceries, fuel, utilities, and all other spends at 1.5% without category tracking.
Your monthly Swiggy spend is under ₹2,500/month, where the Swiggy ORNGE advantage over ACE is minimal.
You pay significant utility bills (electricity, water, gas) via Google Pay — ACE's 5% on these adds up to ₹300-500/month for typical households.

Full pros & cons

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

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Axis Bank ACE Credit Card

What's good

Uncapped 1.5% cashback on all online and offline spends
5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
4% cashback on Swiggy, Zomato, and Ola

Watch out for

5% and 4% cashback categories have a strict combined cap of ₹500 per month
Lounge access requires a heavy ₹50,000 spend in the previous quarter
Cashback credited only after statement generation

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Frequently asked questions

Is the Swiggy One membership free with Swiggy ORNGE?: Yes. Swiggy ORNGE comes with a complimentary 12-month Swiggy One membership on card activation. Swiggy One provides free delivery on orders above ₹99, extra discounts, and priority support. At ₹1,499 annual value, it exceeds the card's ₹500 annual fee on its own, effectively making the first year's card fee negative.
Does Axis ACE give rewards on Zomato?: Yes. Axis ACE gives 4% cashback on Swiggy, Zomato, and Ola (as of mid-2026; partner lists and accelerated rates change often — verify on the issuer's current T&C). Swiggy ORNGE does not list Zomato as a partner — Zomato transactions on the ORNGE card earn at the 5% partner rate only if Zomato is in the 50+ partner list, which it is not explicitly. For anyone who orders from both apps, ACE's consistent 4% on both is an advantage.

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