HDFC BizGrow vs Swiggy Ornge HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC BizGrow Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.4/10 vs 7.2/10.
| Feature | HDFC BizGrow | Swiggy Ornge HDFC Bank |
|---|---|---|
| CardTrail Score | 7.4/10 | 7.2/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1.3% | 1% |
| Max Reward Rate | 6.7% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | No |
| Network | Visa | Mastercard |
When to Choose HDFC BizGrow
- You can meet the fee waiver condition: Spend Rs 1L/year
- You want higher rewards — up to 6.7% vs 5%
- Your primary spend is: business, tax-payments
When to Choose Swiggy Ornge HDFC Bank
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- Your primary spend is: food-delivery, swiggy, cashback
Annual Fee Value Analysis
To break even on HDFC BizGrow's ₹500 fee at 1.3% rewards, spend ₹3,205/month.
To break even on Swiggy Ornge HDFC Bank's ₹500 fee at 1% rewards, spend ₹4,167/month.