Compare HDFC Bank Freedom Credit Card vs IDFC FIRST Select 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

Get 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
Avail 1X Reward Points on Insurance premium and Utility bill payments
Use the Reward points to instantly pay for online or in-store purchases
Get 3X Reward Points on rental and property management transactions
Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
Enjoy 300+ Brand Offers all year long
Get up to 20% discount at 1500+ restaurants
Complimentary Roadside Assistance worth Rs. 1,399
1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
Air Accident Cover of Rs. 1 Crore
Personal Accident Cover of Rs. 5,00,000
Lost Card Liability Cover of Rs. 50,000
Comprehensive Travel Insurance Cover of Rs. 22,500
Convert all transactions above Rs. 2,500 into easy and convenient EMIs on 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 other bank credit cards with the bank’s balance transfer privilege

Premium Benefits includes as follows:

Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month
Availing 4 complimentary railway lounge visits per quarter
Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

VISA Offers are as follows:

Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
Concierge
Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

MasterCard Offers are as follows:

Limo Service Airport Pick Up and Drop
Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

Pros

Cons

Pros

Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
Domestic airport and railway lounge access
Get 3X Reward Points on rental and property management transactions

Cons

No International Airport Lounge access
Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
No Priority Pass facility