HDFC Bank Freedom Credit Card vs IDFC FIRST Millennia Credit Card
Joining Fees
₹500
₹0
Editor's Rating
3
2.75
Key Features
- Redeem points for cash back
- Avail 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
- On birthday spends, earn 25X reward points
- Earn 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- Avail 10X Reward Points on all transactions above Rs. 20,000
- Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
- Once a month, get a 25% discount on movie tickets up to Rs. 100
- Personal Accident Cover of Rs. 2 Lakh
- Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
- 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
- 10X Rewards on all spends done on your Birthday
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
- Lifetime free credit card
- Complimentary Railway lounge access
- NIL Overlimit fees, NIL Addon charges
Cons
- No milestone benefits
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- No Airport Lounge Access
