Choosing between SWIGGY ORNGE HDFC and ETERNAL SBI?
Fees, welcome and where you save.
| SWIGGY ORNGE HDFC | ETERNAL SBI | |
|---|---|---|
| Annual fee | ₹500 + GSTjoining/annual fee | ₹499 + GSTjoining/annual fee |
| Price is effectively the same. Choose on where you save. | ||
| Welcome benefits | 12-month Swiggy Oneon paying the joining fee | 6-month Zomato Goldcomplimentary |
| Pick based on which membership you’ll actually use. | ||
| On-platform rate | 5% cashbackon Swiggy app spends (Food Delivery, Instamart, Dineout) | 10% / 5% discount (wins)10% on Zomato, District & Blinkit Beauty/Electronics; 5% on other Blinkit |
| ETERNAL SBI’s 10% beats 5% where it applies; other Blinkit categories are 5%. | ||
| Savings cap | ₹1,500combined cap per billing cycle | ₹2,000 (wins)cumulative cap per month across partners |
| Higher monthly headroom on ETERNAL SBI. | ||
| Other brands | 5% cashback (wins)select online categories; cap ₹1,500 per billing cycle | 5% cashbackApollo, ixigo, Uber, Urban Company; cap ₹1,000 per month |
| Same 5% rate; SWIGGY ORNGE HDFC wins on cap and a broader category list. | ||
The verdict
SWIGGY ORNGE HDFC if most of your food or Instamart orders are on Swiggy, or you’ll use Swiggy One.
ETERNAL SBI if Zomato or Blinkit are your usual, and those 10% slots fit your orders.
In full
Choosing between SWIGGY ORNGE HDFC and ETERNAL SBI? Here’s the side-by-side on fees, welcome perks and where you actually save
Fees and welcome • SWIGGY ORNGE HDFC: ₹500 + GST. Welcome: complimentary 12-month Swiggy One on paying the joining fee. • ETERNAL SBI: ₹499 + GST. Welcome: complimentary 6-month Zomato Gold.
On-platform savings • SWIGGY ORNGE HDFC: 5% cashback on Swiggy app spends (Food Delivery, Instamart, Dineout). Cap: combined ₹1,500 per billing cycle across the Swiggy app categories. • ETERNAL SBI: 10% instant discount on Zomato, District & Blinkit (Beauty & Electronics), and 5% on other Blinkit categories (including Grocery).
Other brands • SWIGGY ORNGE HDFC: 5% cashback on select online categories such as apparel, pharmacies, pet stores, personal care, electronics, entertainment, travel, discount stores and local cabs. Cap: ₹1,500 per billing cycle. • ETERNAL SBI: 5% cashback on Apollo, ixigo, Uber & Urban Company. Cap: ₹1,000 per month.
Other spends • Both: 1% cashback on other eligible spends. • Caps for other spending: SWIGGY ORNGE HDFC up to ₹1,000 per billing cycle; ETERNAL SBI capped at ₹500 per month.
Exclusions to know • Both exclude fuel, rent, education, gaming and jewelry. • ETERNAL SBI also excludes insurance and utility bills; SWIGGY ORNGE HDFC excludes SmartPay and SmartBuy.
What to do • Mostly Swiggy (food or Instamart)? SWIGGY ORNGE HDFC fits. • Zomato or Blinkit in your routine and you’ll use the 10% slots? ETERNAL SBI fits better.
If this matches your wallet, the next one could catch a cap before it costs you.