Citibank Cashback Credit Card vs HDFC Bank Freedom Credit Card

• 5% Cashback on Telephone & Utility Bill payments, and Movie ticket purchases and 0.5% Cashback on all other spends
• The unredeemed cashback is evergreen as it'll never expire
• Turn big purchases into small payments
• Instant Loans
• Over 26,000 offers and privileges on travel, hotels, shopping, entertainment, spas, Golf and much more

• Earn 1 reward point on every spend of Rs. 150 and above
• Redeem points for cashback
• Get a gift voucher worth Rs. 1000 on annual spends of Rs. 90,000 and higher
• Get a welcome and renewal benefit of 500 reward points on fee realization
• Earn 25X reward points on your birthday spends
• 10X reward points on PayZapp & SmartBuy spends
• Earn 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis
• If annual spends are below Rs. 50,000, renew the card for a nominal fee of Rs. 500
• Fuel fee waiver of 1%, capped at Rs. 250 per statement cycle (Applicable on minimum transaction of Rs.400 and maximum of Rs.5,000 ) GST will be applicable
• Enjoy safe and secure transactions with chip-enabled cards
• Zero liability on the lost card if reported immediately
• HDFC Bank Freedom Credit Card has been enabled for contactless payments, hence, enjoy doing fast, convenient and secure payments at retail outlets.
• Spend Rs. 50,000 in a year and get a waiver of next year’s annual membership
• Obtain up to 3 add on credit cards for free

Pros

• The Citibank Cash Credit Card gives the advantage of earning Cash points on every purchase
• This Credit Card has privileges from booking Tickets, Dining, Bill Payment and more
• Get benefits worth Rs. 3,300+ in the first year

Cons:

• No Complimentary Airport Lounge access

Pros

• Spend Rs. 50,000 in a year and get a waiver of next year’s annual membership
• Pay only 1.99% interest per month if card is issued against fixed deposit
• Zero liability on lost card if reported immediately

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access