HDFC Bank Freedom Credit Card vs AXIS Bank IOCL Rupay Credit Card

• 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

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn 20 Reward Points per Rs. 100 on fuel spends on IOC Terminal
• 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
• 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
• 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
• Annual Fee waived off if spends more than Rs. 50000 per year
• 10% instant discount for movie ticket booked via BookMyshow website
• Enjoy up to 15% Discount on partner Restaurants via EazyDiner

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

Pros

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance 
• 10% instant discount for movie ticket booked via BookMyshow website
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal

Cons

• No International Airport Lounge access
• No Golf benefits
• No travel miles benefits