Today, everyone is highly dependent on delivery apps, whether for groceries or food. Apps like Zepto, Swiggy, Zomato, and Blinkit are becoming extremely popular, especially in tier-1 cities, as they are not only easily accessible but also offer quick delivery, which appeals to most users.
One such platform is Swiggy, one of the most popular food delivery apps in India. Swiggy launched a co-branded credit card in collaboration with HDFC, the Swiggy HDFC Credit Card, which has now been discontinued for new issuers.
To replace the previous version, HDFC Bank has introduced two new varieties of its co-branded credit cards, the Swiggy ORNGE and Swiggy BLCK Credit Card. The Swiggy ORNGE Credit Card offers 5% cashback on Swiggy orders and other online spends, while the Swiggy BLCK Credit Card gives a higher 10% cashback on purchases made through Swiggy.
Affordable Joining Charges With Welcome Benefits
When it comes to the joining and annual fees, the co-branded Swiggy BLCK Credit Card, being the premium variant, comes with a fee of ₹1,000 + GST. This fee can be waived if the user spends ₹75,000 within the first 90 days. However, from the following year onward, the annual fee waiver requires annual spends of ₹2 lakh.
On the other hand, the Swiggy ORNGE Credit Card, being the basic variant, comes with a joining fee of ₹500 + GST. The annual fee is waived if the user spends ₹1.5 lakh before the renewal date.
Both credit cards offer welcome benefits: The Swiggy BLCK Credit Card comes with a 3-month BLCK Membership, and if you already have the Swiggy BLCK membership, it will also be extended. This membership offers benefits like a quick, on-time food delivery service, free delivery service, members-only discounts on food and dineout, and exclusive perks from top partner brands such as Amazon Prime, Hotstar, Hamleys, Cinepolis, and more.
On the other hand, with the Swiggy ORNGE Credit Card, users will receive a free 12-month Swiggy One Membership as a welcome benefit. Under the Swiggy One Membership, users can enjoy benefits such as free food delivery at select restaurants and an extra 30% discount.
Cashback Benefits and Annual Savings Comparison
When it comes to cashback benefits, the Swiggy BLCK Credit Card clearly offers better savings for frequent Swiggy users. The card provides 10% cashback on Swiggy spends, with a maximum cashback limit of ₹1,500 per billing cycle. This means a user can save up to ₹18,000 in a year if they fully utilize the monthly cashback cap, and thats just for spends made with Swiggy.
In comparison, the Swiggy ORNGE Credit Card offers 5% cashback on Swiggy spends, but the ₹1,500 monthly cap is combined across both Swiggy spends and select shopping categories. This means the total cashback earned across both categories cannot exceed ₹1,500 in a single billing cycle.
For select shopping categories, both cards offer 5% cashback on online shopping across categories such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores, and Local Cabs, with a cap of ₹1,500 per billing cycle.
However, with the BLCK card, the capping is separate from the 10% Swiggy cashback category, making it more rewarding overall. When it comes to other spending, both the credit card offers 1% cashback up to ₹1,000 per billing cycle.
| Categories | Swiggy BLCK | Swiggy ORNGE |
| Accelerated Cashback and Capping |
|
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| Other Eligible Spends | 1% Cashback Capped at ₹1,000 Per Billing Cycle | |
When you keep both the cards side by side, they provide quite similar cashback benefits in other categories, but when it comes to Swiggy spends, it is easier to reach the yearly cashback goal with the Swiggy BLCK Credit Card, as it offers a higher 10% cashback on Swiggy spends compared to 5% on the ORNGE card.
Now the question arises, how to redeem your cashback?
Cashback earned for the current billing cycle will be automatically redeemed against the outstanding amount
Cashback Exclusions
The following spend categories are not eligible for cashback on both the cards –
- Prepaid Card, Gift Card, And Wallet Loads
- Rent Payments
- Government-Related Transactions
- Gaming Transactions
- Education Payments
- Fuel Purchases
- Jewellery Purchases
- SmartPay Transactions
- SmartBuy Portal Transactions
- EMI Transactions (All Types)
- Cash Advances And Purchase Of Traveller’s Cheques
- Purchase Of Foreign Currency And Related Fees
Enjoy Golf Benefits With Both Cards
If you enjoy golf or want to try the sport as a beginner, both cards offer useful golf benefits. Cardholders get access to golf courses across the world, along with 12 complimentary golf lessons and 4 free golf rounds every year. After using the complimentary sessions, you can still enjoy a 50% discount on green fees.
Birthday Benefit With Swiggy Dineout
The previous Swiggy card was also used to provide Birthday Week Offer, which was one of the reasons the card was popular among the users.
The Swiggy BLCK and Swiggy ORNGE have the same offer. The offer includes a 10% discount on top of the regular 10% cashback, so if you use any of the Swiggy cards for payments on Swiggy Dineout, you get both benefits. Cardholders can enjoy an additional 10% discount on Swiggy Dineout, capped at ₹500, on a minimum transaction value of ₹3,000. This benefit is in addition to the regular 10% cashback offered on Swiggy Dineout transactions when payments are made with the card, making it a rewarding option for dining.
This means you save money immediately with the discount and then get additional cashback later, helping you further reduce your overall dining expenses. The offer is valid for 7 days (3 days before and 3 days after the birthday).
Bottom Line
After comparing the two cards, we can conclude that the Swiggy BLCK is a great option for regular Swiggy users. There is a slight difference in the joining fee of the two credit cards, which is not that much. But there is a huge difference in the benefits. Swiggy BLCK not only offers 5% more cashback on spending money on Swiggy, but it also offers a 3-month Swiggy BLCK membership on top of the Swiggy One benefits, through which the user can get more discounts on their order.
If you are someone who orders from Swiggy often, the Swiggy BLCK Credit Card is clearly the better choice. It gives a higher cashback on Swiggy spends, better savings on online shopping, premium golf benefits, dining offers, and extra perks through the Swiggy BLCK membership.
At the same time, the Swiggy ORNGE Credit Card is still a good option for people who do not use Swiggy regularly and want a card with a lower fee. It offers decent cashback benefits and can work well for moderate spenders.
For users who want maximum savings and better benefits from their everyday Swiggy spends, the Swiggy BLCK Credit Card comes out as the more rewarding option.