Fees & charges
| Joining fee | ₹500 + applicable taxes (annual fee charged once; no first-year waiver for Ornge) |
|---|---|
| Annual / renewal fee | ₹500 (renewal-year fee from 2nd year onwards) |
| Renewal-fee waiver | ₹1,50,000 spends in the preceding year |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 5% cashback on Swiggy app (Food/Instamart/Dineout) + select online merchants, combined cap ₹1,500/billing cycle; 1% on other categories, cap ₹1,000/cycle |
|---|---|
| Welcome benefit | Complimentary Swiggy One membership for 12 months on card activation (existing members: extended by 12 months); activation within 37 days of issuance |
| Lounge access | none (HDFC's own Ornge T&C lists only cashback + Swiggy One; no lounge/golf benefit stated) |
| Key benefits | Everyday cashback card: 5% on Swiggy app + select online spends and 1% elsewhere, bundled with a 12-month Swiggy One membership. |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | Not stated on HDFC's page |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L605-613 | ₹500 + applicable taxes (annual fee charged once; no first-year waiver for Ornge) | ✓ |
| Fee waiver (min spend) | Annual Fee starting second Year waived off on spending ₹1.5 lakh / AnnumMITC v4.3, fee table L605-613 | ₹1,50,000 spends in the preceding year | ✓ |
| Fuel surcharge waiver | NOT STATEDMITC v4.3, fee table L605-613 | NOT STATED | |
| Forex markup | 3.5%MITC v4.3, fee table L605-613 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 5% cashback on Swiggy app (Food/Instamart/Dineout) + select online merchants, combined cap ₹1,500/billing cycle; 1% on other categories, cap ₹1,000/cycle | • |
| Welcome benefit | Not in MITC | Complimentary Swiggy One membership for 12 months on card activation (existing members: extended by 12 months); activation within 37 days of issuance | • |
| Lounge access | Not in MITC | None (HDFC's own Ornge T&C lists only cashback + Swiggy One; no lounge/golf benefit stated) | • |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Rewards that keep up with your appetite, everywhere
Related Lifestyle cards
stop guessing what you earn
Know the fees. Then track what you actually pay.
This catalogue shows the card. OneStatement reconciles your real statements to the paisa — fees audited, rewards tracked, every cycle balanced, 100% on your device. No cloud, no account.