Side-by-side · honest numbers
Swiggy ORNGE HDFC Bank Credit Card vs SBI Card ELITE
Honest side-by-side comparison of Swiggy ORNGE HDFC Bank Credit Card, SBI Card ELITE — 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.
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | SBI Card ELITE 6521 5664 8333 1916 Valid thru 12/28 Acc CREDIT Card holder SBI CARD ELITE Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI Card ELITE Top reward: 5X reward points Annual fee: ₹4,999 Min income: ₹60,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹4,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | ||
| Signup bonus | — | ₹5,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-swiggy-ornge-vs-sbi-eliteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads SBI Card ELITE by about ₹11,798/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 | SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹4,999 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | ||
| Signup bonus | — | ₹5,000 |
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.
More Swiggy ORNGE HDFC Bank Credit Card comparisons
- Swiggy ORNGE HDFC Bank Credit Card vs 811 Dream Different Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs AU Altura Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs AU Zenith Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express Gold Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express Platinum Travel Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express SmartEarn Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Amex Membership Rewards CC
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank ACE Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Airtel Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Atlas Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Flipkart Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Magnus Credit Card