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 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?

Swiggy ORNGE 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.

Side-by-side · honest numbers

Swiggy ORNGE HDFC Bank Credit Card vs ICICI Coral Credit Card

Honest side-by-side comparison of Swiggy ORNGE HDFC Bank Credit Card, ICICI Coral 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

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Card 2

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank	ICICI Bank Coral 6521 3707 3588 4698 Valid thru 12/28 Acc CREDIT Card holder ICICI CORAL CREDIT CAR Customer service ICICI Bank · 1800-XXX-XXXX Authorized signature CVV••• ICICI Coral Credit Card Top reward: 2 RP/₹100 Annual fee: ₹500 Min income: ₹30,000/mo Property of ICICI Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back ICICI Coral Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	No waiver published
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,980/yr	-₹50/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	—
Top reward rate	5%	2 RP/₹100
Primary reward cap	₹1,500 rewards/mo cap	₹100/ticket
Perks & restrictions
Lounge access	None	4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

Swiggy ORNGE HDFC Bank Credit Card details →ICICI Coral 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 ICICI Coral Credit Card by about ₹8,030/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 ORNGE HDFC Bank Credit Card vs ICICI Coral Credit Card comparison table
Feature	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank	ICICI Coral Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹1,50,000/yr spend	No waiver published
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,980/yr	-₹50/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	—
Top reward rate	5%	2 RP/₹100
Primary reward cap	₹1,500 rewards/mo cap	₹100/ticket
Perks & restrictions
Lounge access	None	4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent
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 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?: Swiggy ORNGE 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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