HDFC Swiggy Ornge vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 3-1. Entry-level cashback with very low waiver bar. HDFC Swiggy Ornge is still the right call if light swiggy users who want 5% back and a year of swiggy one for ₹500..
Side-by-side
| Criterion | HDFC Swiggy Ornge | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | = ₹500 | = ₹500 |
| Joining fee | = ₹500 | = ₹500 |
| Top reward rate | = 5% (dining) | = 5% (shopping) |
| Base reward rate | · 1% | 2% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 12-month Swiggy One membership | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹1,50,000 / yr | ₹50,000 / yr |
| Min income | = ₹2,40,000 | = ₹2,40,000 |
| Min credit score | · N/A | 720 |
| Editorial rating | 4.2/5 | · 4.1/5 |
Benefits compared
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
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Swiggy Ornge vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (3 vs 1). 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 Ornge for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Swiggy Ornge: 12-month Swiggy One membership. HDFC MoneyBack+: 500 CashPoints on first transaction.