HDFC Bank Freedom Credit Card vs Paytm HDFC Bank Credit Card
Joining Fees
₹500
₹500
Editor's Rating
4.3
3.75
Key Features
- 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
- As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
- The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
- Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
- Avail 2% Cashback on all other Select Paytm Spends
- Avail 1% Cashback on all other Retail Spends
- Enjoy up to 50 days of interest-free period
- Avail up to 4 complimentary add-on cards
- Zero Lost card liability
- Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
- Enjoy up to 20% discount on partnered restaurants via Dineout
Editor's Review
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
Pros
- The card is most useful for those who use Paytm daily users of Paytm
- Decent cashback and offers on spends made with Paytm
- Enjoy up to 20% discount on partnered restaurants via Dineout
Cons
- No airport lounge access
- No rewards as such
- The cashback obtained on transactions other than the eligible category is relatively low at 1%
