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BOB Etihad Guest vs HDFC Swiggy Ornge

Compare BOB Etihad Guest vs HDFC Swiggy Ornge across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

BOB Etihad Guest leads on reward rate, while HDFC Swiggy Ornge has the lowest annual fee.

Card 1

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0

Card 2

HDFC Swiggy Ornge

Monthly spenders who want visible cashback without chasing complex reward conversions.8.0
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Swiggy Ornge - HDFC credit card
Balanced value8.0

hdfc / VISA

HDFC Swiggy Ornge

Annual

₹500

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • HDFC Swiggy Ornge leans cashback-first with ₹500 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
BOB Etihad Guest
HDFC Swiggy Ornge
Fees
Annual fee
₹2,999
₹500
Joining fee
₹2,999
₹500
Rewards
Cashback rate
1%
5%
Reward rate
3%
3%
Travel
Forex markup
0%
3.5%
Domestic lounges
4
0
International lounges
2
0
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
No
Eligibility
Minimum income
₹8,00,000
₹3,00,000

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