HDFC Bank Freedom Credit Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹500

₹0

Editor's Rating

3

3.3

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
  • The FIRST Classic Credit Card is now powered for UPI
  • Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
  • Up to 3X reward points on all UPI spends
  • 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
  • 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
  • Unlimited Reward points that don’t expire
  • Use the Reward points to instantly pay for online or in-store purchases
  • 1X Reward Points on Insurance premium payments and Utility bill payments
  • 1X = 1 Reward point per Rs. 150 spent
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • 4 complimentary Railway lounge visits per quarter
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Get up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege

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

  • 10X Rewards on all spends done on your Birthday
  • Reward points will never expire
  • Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

  • No milestone benefits
  • Airport Lounge access limited, depends on the bank’s current offers
  • Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers


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