HDFC Swiggy BLCK vs HDFC Swiggy Ornge
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Swiggy Ornge wins 4-2. Light Swiggy users who want 5% back and a year of Swiggy One for ₹500. HDFC Swiggy BLCK is still the right call if regular swiggy orderers: 10% back on food, instamart and dineout..
Side-by-side
| Criterion | HDFC Swiggy BLCK | HDFC Swiggy Ornge |
|---|---|---|
| Annual fee | · ₹1,000 | ₹500 |
| Joining fee | · ₹1,000 | ₹500 |
| Top reward rate | 10% (dining) | · 5% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = N/A | = N/A |
| Welcome bonus | = 3-month Swiggy BLCK membership | = 12-month Swiggy One membership |
| Fee waiver threshold | · ₹2,00,000 / yr | ₹1,50,000 / yr |
| Min income | · ₹12,00,000 | ₹2,40,000 |
| Min credit score | = N/A | = N/A |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
HDFC Swiggy BLCK
- 10% cashback on Swiggy food, Instamart and Dineout, on orders of ₹249 or more (up to ₹1,500 a cycle)
- 5% cashback on select online merchants and categories, including Cleartrip and Nykaa (up to ₹1,500 a cycle)
- 1% cashback on other spends (up to ₹1,000 a cycle), excluding fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- Cashback credited to your card statement each cycle
- Joining fee waived on ₹75,000 spend in the first 90 days; renewal waived on ₹2,00,000 a year
HDFC Swiggy Ornge
- 5% cashback on Swiggy food, Instamart and Dineout, on orders of ₹249 or more
- 5% cashback on select online merchants and categories, including Cleartrip and Nykaa, inside the same ₹1,500 cycle cap as Swiggy
- 1% cashback on other spends (up to ₹1,000 a cycle), excluding fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- Lifetime free for holders moved over from the old Swiggy HDFC card
- Renewal fee waived on ₹1,50,000 spend in a year
FAQ
›HDFC Swiggy BLCK vs HDFC Swiggy Ornge: which is better?
HDFC Swiggy Ornge wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Swiggy BLCK for its best categories, HDFC Swiggy Ornge for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Swiggy BLCK: 3-month Swiggy BLCK membership. HDFC Swiggy Ornge: 12-month Swiggy One membership.