Swiggy Ornge HDFC Bank Credit Card
5% limited Swiggy-app cash floor; ₹249 transaction minimum; ₹1,500/cycle cap
Try your spend →One eligible transaction per month
Current issuer named T&Cs published 22 September 2026. Only eligible direct-card online Swiggy Food, Instamart and Dineout purchases are priced. The calculator assumes one eligible transaction each month repeated twelve times, with at least ₹249 per transaction; smaller transactions earn zero modeled cash. 5% statement cashback is capped at ₹1,500 per billing cycle. The ₹1,500 billing-cycle pool is shared with eligible online 5% purchases; only Swiggy app spend is priced here. Cashback is based on settled eligible transactions less returns/refunds; posting date determines the statement period. Cashback auto-redeems against outstanding balance excluding finance charges. QR/UPI, offline, Swiggy Money wallet, liquor, gift/prepaid cards, rent, government, gaming, education, fuel, jewellery, SmartPay, SmartBuy, all EMI, cash advances, foreign currency purchases and fees are excluded from this estimate. ₹500 joining and annual fee plus estimated 18% GST; one annual fee is deducted in the repeated-spend model, with no conditional waiver or introductory fee offer assumed. Negative net returns are shown as-is. Other 5% online brands, 1% base spending, memberships, golf, birthday discounts and limited partner offers remain unpriced, not absent. Not a full card return. Account-specific fees and upgrading arrangements may differ. The legacy Swiggy HDFC Bank Credit Card is being upgraded: the issuer says it will contact existing holders about next steps. Legacy terms are not equivalent to either new variant; no universal migration date or automatic free status is inferred.
Annual examples, not guaranteed payouts
₹248 each month is below the transaction minimum: zero cashback and −₹590 net after the modeled annual fee. At ₹5,000 each month, annual net is ₹2,410. At the ₹1,500 monthly cashback cap, annual net is ₹17,410. These examples assume twelve eligible direct-card transactions, no returns, and one isolated benefit pool. Splitting spend into smaller purchases can change eligibility. Pay in full; interest and other charges can erase returns.
Current variants and legacy product
The frozen legacy model is retained for historical coverage, not copied into these names. Confirm the exact variant and current account terms before relying on any estimate.
Issuer sources
Named current variant and fees · 22 September 2026 named reward T&Cs · Legacy issuer upgrade notice
Checked 2 October 2026. Swiggy-app-only floor, other benefits unpriced.