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IDFC Mayura vs HDFC Swiggy Ornge

Compare IDFC Mayura 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

IDFC Mayura leads on reward rate, while HDFC Swiggy Ornge has the lowest annual fee.

Card 1

IDFC Mayura

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.9.4

Card 2

HDFC Swiggy Ornge

Monthly spenders who want visible cashback without chasing complex reward conversions.8.0
IDFC Mayura - IDFC credit card
Balanced value9.4

idfc / VISA

IDFC Mayura

Annual

₹4,999

Return

4%

Lounges

18

Forex

0%

Card summary
  • IDFC Mayura leans travel and lifestyle with ₹4,999 annual fee, 4% headline return potential, and 18 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 18 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹18,00,000 income expectation narrows eligibility.
  • 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
IDFC Mayura
HDFC Swiggy Ornge
Fees
Annual fee
₹4,999
₹500
Joining fee
₹4,999
₹500
Rewards
Cashback rate
1%
5%
Reward rate
4%
3%
Travel
Forex markup
0%
3.5%
Domestic lounges
12
0
International lounges
6
0
Benefits
Fuel waiver
Yes
No
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹18,00,000
₹3,00,000

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