Guide · Earn
What changes from Swiggy HDFC to Swiggy ORNGE or BLCK?
The original Swiggy HDFC card against its ORNGE and BLCK versions: the Swiggy rate, the 5% merchant list, the three cycle ceilings, fees and waivers.
Swiggy ORNGE and Swiggy BLCK differ from the original Swiggy HDFC card mostly in the Swiggy rate. BLCK keeps the 10% on the Swiggy app with the same ₹1,500 ceiling per billing cycle, for a ₹1,000 annual fee. ORNGE keeps the ₹500 fee and pays 5% on the Swiggy app instead, also capped at ₹1,500. Both new cards widen the 1% ceiling from ₹500 to ₹1,000 and change which online merchants earn 5%.
If your card is being replaced by one of the two, this page lists what moves and what stays.
The Swiggy rate, and what fills its ceiling
On the original card and on BLCK, ₹15,000 of Swiggy app spend in a cycle reaches the ₹1,500 ceiling. On ORNGE the same ceiling needs ₹30,000, twice the spend, so on that card the lower rate costs more than the cap does.
Food delivery, Instamart and Dineout count on all three cards. Payments with the Swiggy Money Wallet and Swiggy Liquor are excluded on all three. The original card’s terms also exclude Swiggy Minis; the new cards’ conditions name only the wallet and Liquor.
The minimum order changes. The original card’s Swiggy tier starts at ₹100. On ORNGE and BLCK it starts at ₹249, so a small order that used to earn 10% earns nothing from the Swiggy tier on either new card.
The 5% tier has a different merchant list
All three cards pay 5% on online spends by merchant category code, and the lists overlap without matching.
Kept on the new cards: apparel, pharmacies, pet stores, personal care, cabs and electronics.
Dropped: department stores, entertainment, home decor and discount stores. On the original card, grocery at code 5411 earned 5% at Amazon and Flipkart only. That line is gone.
Added: travel, at codes 4111, 4112, 4121, 4131, 4722 and 7011.
The bigger change is a named merchant list. On ORNGE and BLCK, Amazon, Flipkart, Nykaa, Cleartrip, Ajio, Netflix, Hotstar, BookMyShow and Meesho earn 5% on any online transaction outside the excluded codes, whatever code the order settles under. On the original card a purchase at those sites earned 5% only when its code was on the list.
The ceiling on this tier differs too. BLCK caps it at ₹1,500 a cycle, as the original card did. The ORNGE terms table sets no cap on it.
The three ceilings, side by side
The original card stops at ₹3,500 in one cycle: ₹1,500 from Swiggy, ₹1,500 from online merchants, ₹500 from everything else. That last ceiling fills at ₹50,000 of ordinary spend.
BLCK stops at ₹4,000, because its 1% ceiling is ₹1,000, which takes ₹1,00,000 of ordinary spend to reach.
ORNGE has no fixed total. Its Swiggy and 1% tiers together stop at ₹2,500, and the uncapped 5% online tier sits on top of that.
What earns nothing, and what it costs
The exclusion list grows. All three cards earn nothing on fuel, rent, wallet loads, jewellery, government payments, gift cards, EMI, Smartpay, the SmartBuy portal, cash advances and foreign-currency purchases. ORNGE and BLCK add gaming (code 5816) and education to that list. Foreign spends carry a 3.5% markup on all three.
Fees and waivers:
- Original card: ₹500 a year, renewal waived at ₹2L of annual spend.
- ORNGE: ₹500 a year, renewal waived at ₹1.5L.
- BLCK: ₹1,000 a year, renewal waived at ₹2L. The first year’s joining fee is waived on ₹75,000 of spend in 90 days.
The welcome benefit also differs. The original card came with 3 months of Swiggy One. ORNGE comes with 12 months of Swiggy One, and BLCK with 3 months of Swiggy BLCK membership. Neither new card includes airport lounge access.
A cycle, priced on all three
Take one cycle with ₹8,000 on the Swiggy app, ₹12,000 at listed online merchants and ₹25,000 on everything else. These amounts are assumptions for the arithmetic, not card terms.
On the original card that is ₹800 from Swiggy, ₹600 from online and ₹250 from the rest, so ₹1,650. BLCK pays the same ₹1,650, since none of its ceilings binds at this spend. ORNGE pays ₹400 from Swiggy, then the same ₹600 and ₹250, so ₹1,250, and the Swiggy rate accounts for the whole gap.
That pattern is ₹45,000 a cycle, or ₹5,40,000 a year, which clears the renewal waiver on all three cards. The numbers move once the shape changes. A larger share on Amazon or Flipkart settling under an off-list code widens the gap in favour of the new cards. A larger share at department stores widens it the other way.
What to check on your own statement
Start with the card name on the statement, since the rates follow the version you hold.
Next, check the Swiggy cashback line against the rate. On ORNGE it should be close to 5% of Swiggy spend. A figure near 10% means the statement is still on the original terms.
Then look at small orders. A Swiggy order under ₹249 that posted no cashback fell below the minimum, so nothing was due.
Last, look at online merchants that used to pay 5%. A department store or home decor purchase that now posts 1% is the list change, and it will repeat on every later order there.
The records behind this page are dated, one per card version. Krediit tracks the version in your wallet against your own spend, and shows how much of each cycle’s ceiling is left before you order.
Facts, dated · HDFC Bank Swiggy HDFC
| Annual fee | ₹500 |
|---|---|
| Base rate | 1 pts / ₹100 |
| Dining | 10% on the Swiggy app · cap 1,500 pts a month · Food delivery, Instamart and Dineout. Payments made with Swiggy Money Wallet, and spends on Swiggy Liquor or Swiggy Minis, are excluded. Minimum transaction ₹100. |
| Online shopping | 5% on online shopping, by MCC · cap 1,500 pts a month · Only these MCCs earn 5%: apparel 5137, 5139, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5697, 5699 and 5948; department stores 5200, 5300, 5311, 5331, 5949 and 5973; electronics 1731, 5045, 5046, 5065, 5099, 5722, 5732, 5734, 5946, 7372, 7622, 7623, 7629 and 7631; entertainment 4411, 4899, 5193, 5992, 7032, 7033, 7333, 7832, 7911, 7922, 7929, 7933, 7991, 7996 and 7997; home decor 5198, 5211, 5231, 5251, 5712, 5713, 5714, 5718, 5719, 5950 and 7641; pharmacies 5122, 5912, 5975, 8042 and 8043; personal care 5977, 7230, 7297 and 7298; local cabs 4111, 4121, 5511, 5521 and 7512; pet stores 5192, 5733, 5735, 5941, 5942, 5945, 5995, 7829 and 7941; discount stores 5399; and grocery 5411 at Amazon and Flipkart only. Minimum transaction ₹249. |
| Shared cap | 1% tier — all other spends |
| Fee waiver | ₹2,00,000 spend a year · Renewal waived on ₹2L annual spend. |
| Earns nothing on | Fuel, rent, jewellery, government payments, gift cards, wallet loads and every kind of EMI earn nothing, and neither do Smartpay, anything bought through the SmartBuy portal, cash advances, travellers' cheques or foreign-currency purchases. Gift cards and groceries bought at a 5% merchant earn nothing at all. Minimum transaction ₹100 for the 1% tier and ₹249 for the 5% tier. |
From the Krediit catalog record, verified 2026-08-31. Issuers change terms; the record updates over the air and this page rebuilds with it. Check the issuer's own document before acting on a figure.
Facts, dated · HDFC Bank Swiggy ORNGE HDFC
| Annual fee | ₹500 |
|---|---|
| Base rate | 1 pts / ₹100 |
| Dining | 5% on the Swiggy app · Food delivery, Instamart and Dineout. Swiggy Money Wallet payments and Swiggy Liquor are excluded. Minimum transaction ₹249. The 5% categories share one ceiling of ₹1,500 a billing cycle. |
| Online shopping | 5% · At select online merchants, by MCC. Only these MCCs earn 5%: apparel 5137, 5139, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5697, 5699 and 5948; pharmacies 5122, 5912, 5975, 8042 and 8043; pet stores 5192, 5733, 5735, 5941, 5942, 5945, 5995, 7829 and 7941; personal care 5977, 7230, 7297 and 7298; cabs 4111, 4121, 5511, 5521 and 7512; electronics 1731, 5045, 5046, 5065, 5099, 5722, 5732, 5734, 5946, 7372, 7622, 7623, 7629 and 7631; and travel 4111, 4112, 4121, 4131, 4722 and 7011. Amazon, Flipkart, Nykaa, Cleartrip, Ajio, Netflix, Hotstar, BookMyShow and Meesho earn on any online transaction outside the excluded MCCs. Minimum transaction ₹249. The T&C table sets no cap on this tier. The 5% categories share one ceiling of ₹1,500 a billing cycle. |
| Shared cap | 5% tiers combined |
| Shared cap | 1% tier — all other spends |
| Fee waiver | ₹1,50,000 spend a year · Renewal waived on ₹1.5L annual spend. |
| Lounges | No complimentary airport lounge access; the extras are the Swiggy One membership and Mastercard golf privileges. |
| Earns nothing on | Fuel (MCC 5172, 5541, 5542 and 5983), rent (6513), wallet loads (6540), jewellery (5094 and 5944), government payments (9211, 9222, 9223, 9311, 9399, 9402, 9405 and 9950), gift cards (5947), gaming (5816) and education (8211, 8220, 8241, 8244, 8249 and 8299) earn nothing. Neither do EMI of any kind, Smartpay, the SmartBuy portal, cash advances, travellers' cheques or foreign-currency purchases. Minimum transaction ₹100 for the 1% tier and ₹249 for the 5% tier. |
From the Krediit catalog record, verified 2026-08-31. Issuers change terms; the record updates over the air and this page rebuilds with it. Check the issuer's own document before acting on a figure.
Facts, dated · HDFC Bank Swiggy BLCK HDFC
| Annual fee | ₹1,000 |
|---|---|
| Base rate | 1 pts / ₹100 |
| Dining | 10% on the Swiggy app · cap 1,500 pts a month · Food delivery, Instamart and Dineout. Swiggy Money Wallet payments and Swiggy Liquor are excluded. Minimum transaction ₹249. |
| Online shopping | 5% · cap 1,500 pts a month · At select online merchants, by MCC. Capped at ₹1,500 a billing cycle. Only these MCCs earn 5%: apparel 5137, 5139, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5697, 5699 and 5948; pharmacies 5122, 5912, 5975, 8042 and 8043; pet stores 5192, 5733, 5735, 5941, 5942, 5945, 5995, 7829 and 7941; personal care 5977, 7230, 7297 and 7298; cabs 4111, 4121, 5511, 5521 and 7512; electronics 1731, 5045, 5046, 5065, 5099, 5722, 5732, 5734, 5946, 7372, 7622, 7623, 7629 and 7631; and travel 4111, 4112, 4121, 4131, 4722 and 7011. Amazon, Flipkart, Nykaa, Cleartrip, Ajio, Netflix, Hotstar, BookMyShow and Meesho earn on any online transaction outside the excluded MCCs. Minimum transaction ₹249. |
| Shared cap | 1% tier — all other spends |
| Fee waiver | ₹2,00,000 spend a year · Renewal waived on ₹2L annual spend. |
| Lounges | No complimentary airport lounge access; the card's extras are the Swiggy BLCK membership, birthday dining and golf. |
| Earns nothing on | Fuel (MCC 5172, 5541, 5542 and 5983), rent (6513), wallet loads (6540), jewellery (5094 and 5944), government payments (9211, 9222, 9223, 9311, 9399, 9402, 9405 and 9950), gift cards (5947), gaming (5816) and education (8211, 8220, 8241, 8244, 8249 and 8299) earn nothing. Neither do EMI of any kind, Smartpay, the SmartBuy portal, cash advances, travellers' cheques or foreign-currency purchases. Minimum transaction ₹100 for the 1% tier and ₹249 for the 5% tier. |
From the Krediit catalog record, verified 2026-08-31. Issuers change terms; the record updates over the air and this page rebuilds with it. Check the issuer's own document before acting on a figure.
Sources
- HDFC Bank — Swiggy HDFC Bank Credit Card product page · accessed 2026-09-14
- HDFC Bank — Swiggy ORNGE HDFC Bank Credit Card product page · accessed 2026-09-14
- HDFC Bank — Swiggy BLCK HDFC Bank Credit Card product page · accessed 2026-09-14
- ₹15,000 — ₹1,500 at 10%, the Swiggy app spend that fills that ceiling on the original card and on BLCK · from the HDFC Bank Swiggy BLCK HDFC record
- ₹30,000 — ₹1,500 at 5%, the Swiggy app spend that fills that ceiling on ORNGE · from the HDFC Bank Swiggy ORNGE HDFC record
- ₹50,000 — ₹500 at 1%, the other spend that fills the original card's 1% ceiling · from the HDFC Bank Swiggy HDFC record
- ₹1,00,000 — ₹1,000 at 1%, the other spend that fills the 1% ceiling on ORNGE and BLCK · from the HDFC Bank Swiggy BLCK HDFC record
- ₹3,500 — ₹1,500 plus ₹1,500 plus ₹500, the original card's three cycle ceilings added · from the HDFC Bank Swiggy HDFC record
- ₹4,000 — ₹1,500 plus ₹1,500 plus ₹1,000, BLCK's three cycle ceilings added · from the HDFC Bank Swiggy BLCK HDFC record
- ₹2,500 — ₹1,500 plus ₹1,000, ORNGE's two capped tiers added · from the HDFC Bank Swiggy ORNGE HDFC record
- ₹8,000 — Worked-example Swiggy app spend in one cycle. An assumption for the arithmetic, not a card term.
- ₹12,000 — Worked-example spend at listed online merchants. An assumption for the arithmetic, not a card term.
- ₹25,000 — Worked-example spend on everything else. An assumption for the arithmetic, not a card term.
- ₹800 — 10% of the worked example's ₹8,000 · from the HDFC Bank Swiggy HDFC record
- ₹400 — 5% of the worked example's ₹8,000, on ORNGE · from the HDFC Bank Swiggy ORNGE HDFC record
- ₹600 — 5% of the worked example's ₹12,000 · from the HDFC Bank Swiggy HDFC record
- ₹250 — 1% of the worked example's ₹25,000 · from the HDFC Bank Swiggy HDFC record
- ₹1,650 — ₹800 plus ₹600 plus ₹250, the worked example's cycle total on the original card and on BLCK · from the HDFC Bank Swiggy BLCK HDFC record
- ₹1,250 — ₹400 plus ₹600 plus ₹250, the worked example's cycle total on ORNGE · from the HDFC Bank Swiggy ORNGE HDFC record
- ₹45,000 — ₹8,000 plus ₹12,000 plus ₹25,000, the worked example's spend in one cycle · from the HDFC Bank Swiggy HDFC record
- ₹5,40,000 — ₹45,000 a cycle across 12 cycles, the worked example's annual spend · from the HDFC Bank Swiggy HDFC record
Informational, not financial advice. Krediit does not see your application, your credit file or your bank's decision; it reads the terms so you do not have to.
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