HDFC Bank Launches Two New Swiggy Credit Cards – ORNGE and BLCK

Online food delivery has become very common in India. Many people order food from apps like Swiggy almost every week. Some people even order groceries through Instamart. Because of this growing habit banks are launching special credit cards for food delivery users.

A few years ago, HDFC Bank launched the Swiggy HDFC Credit Card. It quickly became popular because it offered good cashback on food orders and online spending. Many users liked the simple cashback system and the savings they got on every order.

Now HDFC Bank has made a new change. The bank has introduced two new Swiggy credit cards. These cards are called Swiggy ORNGE Credit Card and Swiggy BLCK Credit Card. Both cards come with new cashback benefits and Swiggy membership offers.

These cards are designed for people who order food often and want to save money on their spending.

Why HDFC Bank Introduced New Swiggy Credit Cards

Banks often update their credit card products after some time. This helps them add new benefits and create different options for customers. HDFC Bank introduced these two cards to separate normal users and heavy Swiggy users.

Some people order food once or twice a week. Other users order food or groceries almost daily. So the bank created two cards with different cashback levels.

The ORNGE card is a simple cashback credit card, while the BLCK card is a premium credit card that offers higher rewards and more benefits. This gives customers the choice to pick a card based on their spending habits.

Swiggy ORNGE Credit Card

The Swiggy ORNGE Credit Card is the basic option among the two cards. It is suitable for people who order food occasionally and also shop online.

The joining fee of this card is ₹500 plus GST. The yearly fee is ₹500 plus GST. This card gives cashback on Swiggy orders and some online spending categories.

Main benefits of Swiggy ORNGE Credit Card:

• 5 percent cashback on Swiggy orders including food delivery Instamart and Dineout
• 5 percent cashback on selected online categories like travel electronics apparel and entertainment
• 1 percent cashback on other spending
• 12-month free Swiggy One membership
• Maximum cashback limit of ₹1,500 per billing cycle on 5 percent categories

There is one important rule. The order value must be ₹249 or more to get 5 percent cashback. Orders below this amount will not earn cashback.

The Swiggy One membership also gives extra benefits such as free delivery and exclusive discounts. For regular Swiggy users this card can help reduce food delivery costs over time.

Swiggy BLCK Credit Card

The Swiggy BLCK Credit Card is the high-end card in the Swiggy credit card lineup. It is designed for people who order food very frequently.

The joining fee is ₹1,000 plus GST. The annual fee is also ₹1,000 plus GST.

The best part of this card is that it gives higher cashback when you order from Swiggy.

Main benefits of Swiggy BLCK Credit Card:

• 10 percent cashback on Swiggy orders including food delivery Instamart and Dineout
• 5 percent cashback on online shopping categories like apparel electronics travel and entertainment
• 1 percent cashback on all other spending
• Complimentary 3-month Swiggy BLCK membership
• Cashback cap of ₹1,500 per billing cycle on Swiggy spending

To earn the 10 percent cashback the minimum order value must be ₹249. The minimum transaction amount for other cashback categories is ₹100.

The Swiggy BLCK membership offers extra discounts and special deals on the Swiggy app. This makes the card attractive for heavy Swiggy users.

Comparison of ORNGE and BLCK Cards

Here is a simple table to understand the difference between the two credit cards.

Real Example of Cashback Savings

Let us look at a simple real-life example to understand how these cards work.

Suppose a person orders food from Swiggy many times in a month.

Monthly Swiggy spending example:

• 10 food orders in a month
• Each order value ₹500
• Total monthly Swiggy spending ₹5,000

If the person uses the ORNGE card, the cashback will be around ₹250 because the reward rate is 5 percent.

If the person uses the BLCK card, the cashback will be around ₹500 because the reward rate is 10 percent.

This example shows that people who spend more on Swiggy can save more with the BLCK card. But if someone orders food only once or twice a week then the ORNGE card may be enough.

Who Should Choose These Cards

Different users have different spending habits. So choosing the right card depends on your usage.

Swiggy ORNGE Credit Card may be suitable for

• People who order food occasionally
• Users who want a low annual fee card
• People who want simple cashback on online shopping

Swiggy BLCK Credit Card may be suitable for

• People who order food very frequently
• Heavy Swiggy and Instamart users
• Users who want higher cashback rewards

Choosing the right card can help users save more money every month.

What Happens to the Old Swiggy HDFC Credit Card

Many customers already have the earlier Swiggy HDFC Credit Card. So they are now wondering what will happen to their card.

At present HDFC Bank has not given full details about the transition process. Some users may be moved to the ORNGE card automatically. Others may get an option to upgrade to the BLCK card.

Earlier many customers received the old card as lifetime free. Because of that it was very valuable for those users. If the bank changes the card structure some users may explore other cashback credit cards available in India.

Bottom Line

The launch of Swiggy ORNGE and Swiggy BLCK credit cards shows how banks are focusing on digital lifestyle spending. Food delivery apps are now part of daily life in many Indian cities.

By offering cashback and membership benefits banks are trying to attract customers who spend regularly on food and groceries.

The ORNGE card is an easy cashback credit card made for regular Swiggy users. The BLCK card is a premium option for people who order food very frequently.

Both cards still offer useful savings on Swiggy orders and online shopping.

In the coming months it will be interesting to see how customers respond to these new credit cards and whether more banks launch similar food delivery cards in India. Start your HDFC Credit Card journey today. Compare options and apply for a Credit Card in just a few simple steps.