Which card has the lower annual fee?

HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Bharat Cashback Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, Swiggy ORNGE HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Bharat Cashback Credit Card

HDFC Bank

Card 2

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC Bank Bharat Cashback 6521 6539 2817 4602 Valid thru 12/28 Acc CREDIT Card holder HDFC BHARAT CASHBACK C Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Bharat Cashback Credit Card Top reward: 5% cashback Annual fee: ₹500 Min income: ₹15,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,670/yr	₹7,980/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Fuel	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo	—
Top reward rate	5% cashback	5%
Primary reward cap	₹250 rewards/mo cap	₹1,500 rewards/mo cap
UPI rewards	Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent · Wallet loads · Insurance	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹9,190/yr combined NAV (₹1,210 vs best solo). Both annual fees apply.

HDFC Bharat Cashback Credit Card details →Swiggy ORNGE HDFC Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads HDFC Bharat Cashback Credit Card by about ₹4,310/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Bharat Cashback Credit Card vs Swiggy ORNGE HDFC Bank Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	No waiver published	Waived at ₹1,50,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,670/yr	₹7,980/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Fuel	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo	—
Top reward rate	5% cashback	5%
Primary reward cap	₹250 rewards/mo cap	₹1,500 rewards/mo cap
UPI rewards	Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent · Wallet loads · Insurance	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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