Swiggy Ornge HDFC Bank Credit Card vs Axis Bank ACE
Axis Bank ACE by ₹4,200 a year at ₹75,000 a month
Swiggy Ornge HDFC Bank Credit Card vs Eternal SBI Card
Eternal SBI Card vs Swiggy Ornge HDFC Bank Credit Card: which should you pick?
Swiggy's card against Zomato's, and the merchant lists barely overlap. Ornge pays 5% on Swiggy, Instamart and Dineout and on a named list of online merchants, all inside one ₹1,500 cap a billing cycle, over a 1% base capped at ₹1,000; Eternal takes 10% off Zomato, District and Blinkit's beauty and electronics aisles and 5% off the rest of Blinkit inside one ₹2,000 cap a month, over a 1% base capped at ₹500. ₹500 a year waived at ₹1,50,000 of spend against ₹499 waived at ₹2,00,000. Neither opens a lounge — carry the one whose delivery app you already open.
Below ₹75,000 a month Eternal SBI Card is the better card; from ₹75,000 up, Swiggy Ornge HDFC Bank Credit Card takes over, and by ₹5 lakh a month it is ₹6,000 a year ahead. At ₹75,000 a month the gap is mostly what each card earns on your spend: Swiggy Ornge HDFC Bank Credit Card returns ₹8,500 a year in rewards to Eternal SBI Card's ₹6,000. On the rows below, Eternal SBI Card has no clear edge over Swiggy Ornge HDFC Bank Credit Card.
Swiggy Ornge HDFC Bank Credit Card review Eternal SBI Card review
Side by side
| Fact | Swiggy Ornge HDFC Bank Credit Card | Eternal SBI Card |
|---|---|---|
| Can you get it | Open to apply✓ Better | Not confirmed on sale |
| Fee (joining · annual, + GST) | ₹500/yr | ₹499/yr✓ Better |
| Fee waiver | Spend ₹1,50,000 a year | Spend ₹2,00,000 a year |
| Reward rate on everyday spend | 1.0% | 1.0% |
| Points | Statement cashback (₹) | SBI Card Cashback |
| Our value per point | ₹1.00 † | ₹1.00 |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 0 of 792 |
| Forex markup | 3.5% + GST | not published |
| Welcome benefit | Complimentary Swiggy One membership for 12 months, released on card activation (activate within 37 days of issuance and claim it in the Swiggy app) | Six months of Zomato Gold on card activation |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Swiggy Ornge HDFC Bank Credit Card is ahead on 5 of the 7 rows we can call.
More facts 7 rows
| Fact | Swiggy Ornge HDFC Bank Credit Card | Eternal SBI Card |
|---|---|---|
| Our rank | #227 | Not ranked (not confirmed) |
| Our verdict | Keep | Keep |
| Lounge visits in India | None — not among the variants the MITC's "Lounge Access" section names | not published |
| Lounge visits abroad | None — the MITC names other variants in its international lounge clause | not published |
| Interest (APR) | 3.75%/mo (45%/yr) | not published |
| Income needed (salaried) | ₹20,000+/month net | not published |
| Income needed (self-employed) | ITR ₹6L+/yr | not published |
† Swiggy Ornge HDFC Bank Credit Card: The unit is the rupee. HDFC's own FAQ: "CashBack is credited directly to your card account as statement credit", and the T&C adds "Cashback earned for current billing cycle will be auto redeemed against outstanding amount" — no points, no catalogue, and no redemption request for HDFC's ₹50 cashback-redemption charge to attach to. What actually governs this card is the pair of billing-cycle ceilings: ₹1,500 across the two 5% legs together, ₹1,000 on the 1% leg.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | Swiggy Ornge HDFC Bank Credit Card | Eternal SBI Card |
|---|---|---|
| At ₹30,000 a month | ₹3,400 | ₹3,600✓ Better |
| At ₹75,000 a month | ₹8,500✓ Better | ₹6,000 |
| At ₹1.5 lakh a month | ₹12,000✓ Better | ₹6,000 |
| At ₹3 lakh a month | ₹12,000✓ Better | ₹6,000 |
| At ₹5 lakh a month | ₹12,000✓ Better | ₹6,000 |
| Pays for itself from | ₹5,000 a month | ₹5,000 a month |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | Swiggy Ornge HDFC Bank Credit Card | Eternal SBI Card | Ahead |
|---|---|---|---|
| ₹25,000 | ₹2,800 | ₹3,000✓ Better | Eternal SBI Card by ₹200 |
| ₹50,000 | ₹5,600 | ₹6,000✓ Better | Eternal SBI Card by ₹400 |
| ₹75,000 | ₹8,500✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹2,500 |
| ₹1 lakh | ₹11,300✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹5,300 |
| ₹1.25 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹1.5 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹1.75 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹2 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹2.25 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹2.5 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹2.75 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹3 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹3.25 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹3.5 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹3.75 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹4 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹4.25 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹4.5 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹4.75 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
| ₹5 lakh | ₹12,000✓ Better | ₹6,000 | Swiggy Ornge HDFC Bank Credit Card by ₹6,000 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 and 0
Swiggy Ornge HDFC Bank Credit Card's Statement cashback (₹) cannot be moved to any airline or hotel; Eternal SBI Card's SBI Card Cashback cannot be moved to any.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
Swiggy Ornge HDFC Bank Credit Card
- The two 5% legs SHARE one ceiling of ₹1,500 a billing cycle — not ₹1,500 each — so the whole 5% stack is worth ₹18,000 a year at absolute maximum and runs out at ₹30,000 of qualifying spend a month
- The 1% leg has its own separate ceiling of ₹1,000 a billing cycle
- HDFC's own value chart prices this card at 3.20%, on ₹18,000 a month of spend — the 5% headline is not the rate you get
Eternal SBI Card
- One cap covers the whole Eternal ecosystem: ₹2,000 a calendar month across Zomato, District and Blinkit, groceries included
- The partner 5% stops at ₹1,000 a month across all four merchants, and the 1% base at ₹500 a month
- No lounge access, no transfer partners — the cashback is the whole ceiling
Common questions 5 answered
Which is better, Swiggy Ornge HDFC Bank Credit Card or Eternal SBI Card?
Below ₹75,000 a month Eternal SBI Card is the better card; from ₹75,000 up, Swiggy Ornge HDFC Bank Credit Card takes over, and by ₹5 lakh a month it is ₹6,000 a year ahead. At ₹75,000 a month the gap is mostly what each card earns on your spend: Swiggy Ornge HDFC Bank Credit Card returns ₹8,500 a year in rewards to Eternal SBI Card's ₹6,000. On the rows below, Eternal SBI Card has no clear edge over Swiggy Ornge HDFC Bank Credit Card.
Swiggy Ornge HDFC Bank Credit Card or Eternal SBI Card: which is worth more at ₹3 lakh a month?
Swiggy Ornge HDFC Bank Credit Card beats Eternal SBI Card by ₹6,000 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, Swiggy Ornge HDFC Bank Credit Card or Eternal SBI Card?
Eternal SBI Card: ₹499/yr against ₹500/yr. Swiggy Ornge HDFC Bank Credit Card waives its fee if you spend ₹1,50,000 a year; Eternal SBI Card waives its fee if you spend ₹2,00,000 a year.
Which gets you into more airport lounges, Swiggy Ornge HDFC Bank Credit Card or Eternal SBI Card?
Both get you into 0 of the 792 lounges we track.
How current is this comparison?
Both cards were last checked against their banks' own documents on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Related comparisons
Swiggy BLCK HDFC Bank Credit Card vs Swiggy Ornge HDFC Bank Credit Card
Level at ₹75,000 a month
Sources
Both cards were last checked against their banks' own documents on 24 Oct 2026. Every fact above comes from these 8 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 8 sources
- Official Swiggy Ornge product page — the ₹500 combined joining/renewal fee, the ₹1,50,000 waiver, the 5%/5%/1% grid, and HDFC's own value chart pricing the card at 3.20% read
- Official HDFC's Swiggy card-migration FAQ — holders of the old Swiggy card who move to Ornge, or are moved there by default, hold it lifetime free read
- Official Terms and Conditions — Swiggy Ornge HDFC Bank Credit Card, published 17 July 2026: the shared ₹1,500-a-billing-cycle cap on the 5% legs and the ₹1,000 cap on the 1% leg read
- Official HDFC Bank Most Important Terms and Conditions, version 4.15 dated October 2026 — the ₹500 fee row, the ₹1.5 lakh renewal waiver, and the statement-credit rule read
- Official SBI's product record for the card — ₹499 annual and renewal fee reversed at ₹2 lakh, the 10% / 5% Eternal discounts under one ₹2,000 monthly cap, 5% at four partners, 1% elsewhere read
- Official Eternal SBI Card T&C booklet — the cashback table with its monthly caps (₹2,000 Eternal, ₹1,000 partners, ₹500 base), the MCC exclusion list and the RuPay-on-UPI 1% rule read
- Official SBI Card's MITC — Foreign Currency Transaction Fee 3.5% for all cards except a named concession list this card is not on read
- Community Live From A Lounge on the joint launch — Mastercard and RuPay, applications opening in phases from 22 October 2026, early access through the Zomato, Blinkit and District apps read