HDFC Bank Freedom Credit Card vs BOB Financial Easy

• 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

• Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
• Avail 1 reward point for every Rs. 100 spent on other categories
• Avail 0.5% of the card bill payment as cash-back in the next statement
• Spend  Rs. 6,000 within 60 days and  Rs. 35,000 in a year for reversal/waiver of annual fees
• 1% fuel surcharge waived for fuel transactions between  Rs. 400 -  Rs. 5,000 (Max. waiver of Rs. 250 per month)
• Redeem the earned reward points as cash-back and other exciting options
• Convert purchases of more than  Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover
• Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
• Avail 50 days of interest free credit from the date of any purchase
• Pay Minimum Amount Due and finance your spends as per your convenience

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

• Easy EMI Option
• First year Fee: Spend 6,000 on the card within 60 days for fee reversal
• Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
  
  Cons

• No golf privileges
• No airport lounge access