HDFC Bank EasyEMI Credit Card vs HDFC Bank Freedom Credit Card

Joining Fees

₹500

₹500

Editor's Rating

2.5

4.3

Key Features

  • Milestone Benefit: Spend Rs. 20000 and more in the first 90 days to get first year membership fee waived off
  • Launch Offer: Get Rs. 1000 worth gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter, for the first year only
  • Contactless payment enabled
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends
  • Get 1% CashBack on all offline spends and Wallet reloads
  • All transactions of Rs. 10,000 and more will be auto converted to EasyEMI for 9 months. Do note that auto conversion will not be applicable on gold, jewellery, and fuel transactions, and the conversion will be processed after 5 business days from the date of transaction
  • Zero Lost card liability 
  • Up to 50 days of interest free period from the date of purchase
  • Revolving Credit is available at a nominal interest rate
  • Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Earn 1 CashPoint for every Rs. 150  on other spends  
  • Get up to 20% discount on partnered restaurants via Swiggy Dineout
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
  • Zero lost Card liability 
  • Avail up to 50 days of interest-free period
  • Enjoy Revolving Credit at a nominal interest rate
  • Enjoy amazing dining benefits with the Good Food Trail program
  • Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
  • 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
  • Get 500 CashPoints- this is applicable only on payment of membership fee
  • Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
  • Convert your big spends into EMI after purchase
  • The Credit Card is enabled for contactless payments
  • Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off 

Editor's Review

Pros

  • Launch Offer
  • Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
  • Get 2.5% CashBack on all online spends

Cons

  • No golf benefits
  • No rewards benefits
  • No airport lounge access

Pros

  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
  • Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150  on other spends  
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions

Cons

  • No golf benefits are provided
  • No international and domestic airport lounge access
  • No rewards


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