HDFC Bank Freedom Credit Card vs Klick RuPay 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

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• Earn 2 YES Rewardz Points for every Rs. 200 spent on eligible non-UPI transactions
• Get rewarded for all your non-UPI transactions
• Earn reward on non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates
• Get a loan amount within the card limit to fulfil immediate fund requirements
• Enjoy secure digital payments through a 100% virtual RuPay credit card; no physical card is issued
• Convert eligible transactions of Rs. 1,500 or more into EMIs through the Instant EMI facility
• Eligible cardholders can obtain a Quick Loan within their available credit limit
• Set up recurring payments for bills and subscriptions through YES PayNow and the e-mandate facility
• Existing YES BANK credit-card holders are not eligible for the Klick Credit Card

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
• 2 Rewards for every Rs. 200 non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits