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HDFC MoneyBack+ Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ 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

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Spend assumptions

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

HDFC MoneyBack+ Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature

HDFC Bank

MoneyBack+

6521 1823 4477 2559

Valid thru

12/28

Card holder

HDFC MONEYBACK CREDIT

Customer service

HDFC Bank · 1800-XXX-XXXX

Authorized signature

CVV•••

HDFC MoneyBack+ Credit Card

Top reward: 10X points

Annual fee: ₹500

Min income: ₹20,000/mo

Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed.

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HDFC MoneyBack+ Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card credit card

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedWaived at ₹1,50,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹7,980/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached₹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
Top reward rate10X points5%
Primary reward cap₹2,500 eligible spend/mo₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC MoneyBack+ 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 MoneyBack+ Credit Card by about ₹7,850/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 MoneyBack+ Credit Card vs Swiggy ORNGE HDFC Bank Credit Card comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedWaived at ₹1,50,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹7,980/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached₹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
Top reward rate10X points5%
Primary reward cap₹2,500 eligible spend/mo₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
HDFC MoneyBack+ 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 MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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