HDFC Bank Freedom Credit Card vs HDFC Bank Tata Neu Plus Credit Card

Joining Fees

₹500

₹499

Editor's Rating

3

4.5

Key Features

  • 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 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
* Get 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
* Avail 1% back as NeuCoins on UPI spends
* Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
* By spending Rs.1,00,000 or more in a year, before the Credit Card's renewal date, get renewal fee waived off
* Zero lost card liability
* Interest-Free Credit Period of up to 50 days 
* Revolving Credit is available at a nominal interest rate 
* 4 Complimentary Domestic Lounge Access per calendar year
* 1% fuel surcharge waiver at fuel stations in India. This is applicable on minimum transaction of Rs. 400 & maximum transaction of Rs. 5,000

Editor's Review

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

* Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments
* Airport lounge access
* Fuel surcharge

Cons


* No golf benefits
* Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app


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