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Swiggy ORNGE HDFC Bank Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of Swiggy ORNGE HDFC Bank Credit Card, SBI Cashback 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

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
Swiggy ORNGE HDFC Bank Credit Card credit card

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

SBI Cashback Credit Card credit card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹500₹999
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,980/yr₹5,520/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 ₹2,000/mo
Dining & delivery₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo—
Top reward rate5%5%
Primary reward cap₹1,500 rewards/mo cap₹2,000 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet loadsFuel · Utilities · Insurance · 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 ORNGE HDFC Bank Credit Card details →SBI Cashback 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 SBI Cashback Credit Card by about ₹2,460/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 SBI Cashback Credit Card comparison table
FeatureSwiggy ORNGE HDFC Bank Credit Card

HDFC Bank

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹500₹999
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,980/yr₹5,520/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 ₹2,000/mo
Dining & delivery₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo—
Top reward rate5%5%
Primary reward cap₹1,500 rewards/mo cap₹2,000 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet loadsFuel · Utilities · Insurance · 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 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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