Side-by-side · honest numbers
Swiggy ORNGE HDFC Bank Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Swiggy ORNGE HDFC Bank Credit Card, ICICI Sapphiro 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 ORNGE HDFC Bank Credit Card
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | ICICI Bank Sapphiro 6521 7756 7970 1247 Valid thru 12/28 Acc CREDIT Card holder ICICI SAPPHIRO CREDIT Customer service ICICI Bank · 1800-XXX-XXXX Authorized signature CVV••• ICICI Sapphiro Credit Card Top reward: 4 RP/₹100 Annual fee: ₹3,500 Min income: ₹75,000/mo Property of ICICI Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | -₹1,862/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% | 4 RP/₹100 |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹4,000 |
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https://cardhungry.com/in/en/compare/hdfc-swiggy-ornge-vs-icici-sapphiroReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads ICICI Sapphiro Credit Card by about ₹9,842/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
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | -₹1,862/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% | 4 RP/₹100 |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹4,000 |
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.
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