Which card has the lower annual fee?

slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

slice credit card lists a minimum monthly income of ₹15,000.

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 slice credit card

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

slice credit card

Slice

Your adjusted comparison

Feature	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank	Slice slice credit card 6521 9551 8818 8727 Valid thru 12/28 Acc CREDIT Card holder SLICE CREDIT CARD Customer service Slice · 1800-XXX-XXXX Authorized signature CVV••• slice credit card Top reward: Up to 1% cashback Annual fee: Lifetime Free Min income: ₹15,000/mo Property of Slice. If found, return to nearest branch. Not valid unless signed. Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹500	Lifetime free
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,980/yr	₹3,240/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%	Up to 1% cashback
Primary reward cap	₹1,500 rewards/mo cap	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet loads	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹8,550/yr combined NAV (₹570 vs best solo). Both annual fees apply.

Swiggy ORNGE HDFC Bank Credit Card details →slice 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 slice credit card by about ₹4,740/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 slice credit card comparison table
Feature	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank	slice credit card Slice
Fees & eligibility
Annual fee	₹500	Lifetime free
Fee waiver threshold	Waived at ₹1,50,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,980/yr	₹3,240/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%	Up to 1% cashback
Primary reward cap	₹1,500 rewards/mo cap	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent · Wallet loads	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: slice credit card lists a minimum monthly income of ₹15,000.
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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