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Swiggy BLCK HDFC Bank Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

Honest side-by-side comparison of Swiggy BLCK HDFC Bank 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.

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature
Swiggy BLCK HDFC Bank Credit Card credit card

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card credit card

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹1,000₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹10,080/yr₹7,980/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Top reward rate10%5%
Primary reward cap₹1,500 rewards/mo cap₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet loadsEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus——

Stack mode (hold both)

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

Swiggy BLCK HDFC Bank 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 BLCK HDFC Bank Credit Card leads Swiggy ORNGE HDFC Bank Credit Card by about ₹2,100/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

Swiggy BLCK HDFC Bank Credit Card vs Swiggy ORNGE HDFC Bank Credit Card comparison table
FeatureSwiggy BLCK HDFC Bank Credit Card

HDFC Bank

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹1,000₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹10,080/yr₹7,980/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Top reward rate10%5%
Primary reward cap₹1,500 rewards/mo cap₹1,500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet loadsEMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
Swiggy ORNGE HDFC Bank Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.
Which card has the lower income requirement?
Swiggy BLCK HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
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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