Swiggy Ornge HDFC Bank Credit Card

Joining fee

₹500 to join.₹500 + Applicable Charges

Renewal fee

₹500 a year.₹500 + Applicable Charges

Fee waiver rule

Fee waived if you spend ₹1,50,000.

Add-on card fee

₹0

Welcome benefit

Free 12-month Swiggy One membership upon activation.

Reward rate

1% cashback · everyday spends1% CashBack on other spends.

EMI spend earning

There is no cashback on EMI transactions.

Fuel earning

Excluded cashback Categories: Fuel

Government spend earning

Excluded cashback Categories: Govt. related transactions

Groceries earning

5% Cashback on Swiggy spends including Grocery

Online earning

5% CashBack on online spends across online Merchants.

Rent earning

Excluded cashback Categories: Rent

Reward earning on dining spends

5% Cashback on Swiggy spends including Dining Out

Wallet load earning

Excluded cashback Categories: Wallet

Reward exclusions

Fuel, Rent, Government related transactions, EMI, Gaming, Education, Gift Card, Wallet and Jewelry.

Reward caps

Swiggy App 5% cashback ₹1500 per billing cycle; other categories 1% cashback ₹1000 per billing cycle.

Cashback redemption

CashBack earned for current billing cycle will be auto redeemed against outstanding amount.

Statement-credit redemption

CashBack is credited directly to your card account as statement credit, based on the CashBack cycle and applicable terms.

Dining programme

Swiggy One Membership offers unlimited benefits across restaurants and Instamart orders on Swiggy, including free delivery and exclusive discounts from select restaurants

Golf

Access to golf courses worldwide with 12 free golf lessons per year.

Minimum spend rules

5% Cashback: minimum transaction of ₹249; 1% Cashback: minimum transaction of ₹100

Surcharge on railway tickets

1% of the transaction amount + GST

Lost card liability

Zero liability on fraudulent transactions if loss reported immediately to 24-hour call centre.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Convert high-value transactions into SmartEMI with ease after purchase.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly, 45.0% Annually

Interest-free period

Up to 50 days interest-free period

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI: processing fees levied is upto ₹849 (exclusive of GST), depending on the customer’s eligibility

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST levied will not be reversed on any dispute on Fee & Charges / interest

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.

Income, salaried

Net Monthly Income > ₹20,000.

Income, self-employed

Annual ITR > ₹6 lakh per annum.

Minimum age

Age: Min 21 years & Max 60 Years.

Residency

Indian