Original Food Delivery & E-Commerce Card — 10% Swiggy & 5% Online Cashback (Legacy)
₹500
One-time upfront₹500
Waiver on milestone10% on Swiggy, 5% on 1,000+ online partner apps, 1% elsewhere
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 21 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Launched in July 2023 as the initial single co-branded proposition, the classic Swiggy HDFC Bank Credit Card delivered exceptional 10% returns on Swiggy and 5% across major online merchants. As of March 2026, HDFC Bank and Swiggy restructured the portfolio into Ornge and BLCK, closing this original product to new applications. Existing cardholders can continue using this card until migrated by the bank or selecting their preferred upgrade.
Earn 10% direct statement cashback on Swiggy Food Delivery, Instamart, Dineout, and Genie transactions, capped at ₹1,500 per calendar month.
Earn 5% direct statement cashback on leading online apps including Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, and Netmeds, capped at ₹1,500 per calendar month.
Cashback is credited automatically to your credit card statement within 10 days of statement generation with zero redemption fees.
Receive a complimentary 3-month Swiggy One membership upon fee realization and card activation.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Swiggy App (Food, Instamart, Dineout, Genie) | 10% statement cashback on Swiggy transactions (Food, Instamart, Dineout, Genie; max ₹1,500/month) | 1,500 INR (₹)/mo | Standard terms apply |
| Online Partner Merchants (1,000+ top e-commerce stores) | 5% statement cashback on 1,000+ top online shopping apps (max ₹1,500/month) | 1,500 INR (₹)/mo | Standard terms apply |
| All Other Retail Spends | 1% statement cashback on all other eligible retail transactions (max ₹500/month) | 500 INR (₹)/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Authoritative backend calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Swiggy App (Food, Instamart, Dineout, Genie) | ₹6,000 | 10% statement cashback on Swiggy transactions (Food, Instamart, Dineout, Genie; max ₹1,500/month) | — | ₹1,500/monthly | Calculating... | Under cap |
| Online Partner Merchants (1,000+ top e-commerce stores) | ₹6,000 | 5% statement cashback on 1,000+ top online shopping apps (max ₹1,500/month) | — | ₹1,500/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 1% statement cashback on all other eligible retail transactions (max ₹500/month) | — | ₹500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Status: Legacy card product (closed to new applicants as of March 2026; existing cardholders migrating to Swiggy Ornge or BLCK). Fees: Joining ₹500 + GST; Annual Renewal ₹500 + GST (waived on ₹2,00,000 annual spend). Rewards: 10% statement cashback on Swiggy (Food, Instamart, Dineout, Genie; max ₹1,500/month, min tx ₹249); 5% on 1,000+ online shopping apps (max ₹1,500/month, min tx ₹100); 1% on other eligible retail (max ₹500/month, min tx ₹100). Welcome Benefit: Complimentary 3-month Swiggy One membership upon card setup. Network: Mastercard. No airport lounge access.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Swiggy HDFC Bank Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: Foodies, frequent restaurant diners, and socialites who want maximum direct table discounts on eating out and weekend cinema privileges.
Rewards: 10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)
Lounge access: 8 Domestic visits/year
Renewal fee waived on ₹2,50,000 annual spend
Last verified 17 Sept 2026
Best for: Airtel Subscribers, Utility Bill Payers & Routine Food Delivery
Rewards: 25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: Heavy Swiggy Food Delivery, Instamart & E-Commerce Shoppers
Rewards: 10% on Swiggy (max ₹1,500/cycle), 5% on select online merchants (max ₹1,500/cycle), 1% on other spends (max ₹1,000/cycle)
Renewal fee waived on ₹2,00,000 annual spend
Last verified 21 Oct 2026
Best for: Online Shoppers, Direct Statement Cashback Seekers & E-Commerce Power Users
Rewards: 5% online cashback (up to ₹2,000/cycle), 1% offline cashback (up to ₹2,000/cycle), total combined cap ₹4,000/cycle
Renewal fee waived on ₹2,00,000 annual spend
Last verified 15 Oct 2026
Best for: Zomato Food Delivery, Dining Out on District, Blinkit Orders & Quick-Commerce Spends
Rewards: 1% base statement cashback on all other eligible retail transactions
Last verified 15 Oct 2026
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
HDFC is phasing out the original Swiggy HDFC Credit Card. Do nothing and you move to lifetime-free Ornge with 5% Swiggy cashback; choose BLCK to retain 10% but face a higher standard fee. We calculate which option actually makes sense.
SBI Card and Eternal have launched the Eternal SBI Card with discounts across Zomato, Blinkit, District and Bistro, plus cashback on Uber, ixigo, Urban Company and Apollo 24|7. The card was officially announced on 15 October 2026. Early-access registration is open, while applications are scheduled to begin from 22 October 2026 in phases.
Direct online application on the official HDFC Bank portal with paperless verification.