{
  "id": "hdfc-swiggy-ornge-credit-card",
  "locale": "hi",
  "name": "HDFC Swiggy Ornge Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹250 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "Swiggy पर 7.5% · ऑनलाइन खुदरा पर 2.5% · बेस 1% · ₹1L शुल्क माफी",
  "bestFor": "किफायती फूड डिलीवरी, दैनिक Instamart ग्रॉसरी, ऑनलाइन खरीदारी व कम वार्षिक शुल्क",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/swiggy-ornge-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-swiggy-ornge-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Swiggy Orange Credit Card tariff schedule",
    "Swiggy consumer rewards & quick commerce discount terms"
  ],
  "feeWaiver": "₹1,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Swiggy खर्च",
      "value": "7.5% सीधा कैशबैक"
    },
    {
      "key": "ऑनलाइन शॉपिंग",
      "value": "2.5% कैशबैक"
    },
    {
      "key": "सामान्य रिटेल",
      "value": "1.0% फ्लैट कैशबैक"
    },
    {
      "key": "रिडेम्पशन",
      "value": "स्टेटमेंट में स्वतः कैशबैक जमा"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹1,00,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹250 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Swiggy ऐप (फूड, इंस्टामार्ट, डाइनआउट)",
      "rate": "7.5% सीधा कैशबैक",
      "monthlyCap": "₹750 / माह",
      "perLakhSpent": "₹7,500 कैशबैक"
    },
    {
      "category": "शीर्ष ऑनलाइन ई-कॉमर्स प्लेटफॉर्म",
      "rate": "2.5% सीधा कैशबैक",
      "monthlyCap": "₹750 / माह",
      "perLakhSpent": "₹2,500 कैशबैक"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% फ्लैट कैशबैक",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,000 कैशबैक"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Swiggy ऑर्डर्स",
      "multiplier": "7.5%",
      "rate": "7.5% सीधा",
      "monthlyCap": "₹750 / माह",
      "dailyCap": "—",
      "note": "फूड, इंस्टामार्ट, डाइनआउट।"
    },
    {
      "channel": "ऑनलाइन रिटेल",
      "multiplier": "2.5%",
      "rate": "2.5% सीधा",
      "monthlyCap": "₹750 / माह",
      "dailyCap": "—",
      "note": "Amazon, Flipkart, Myntra."
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹250 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹1,00,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट कैश क्रेडिट",
      "value": "100% प्रत्यक्ष समता (₹1 = ₹1)",
      "minPoints": "स्वचालित (₹0 न्यूनतम)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹250 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹250 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹18,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}