HDFC Bank Freedom Credit Card vs Kotak 811 #DreamDifferent 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

• No joining fee and annual fee
• Get 4 reward points against every Rs. 100 of online spends
• Get 1 reward point against every Rs. 100 of other spends
• Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit
• Balance Transfer: The processing fee of Rs. 349 per Rs. 10,000. Continued interest free period on fresh retail purchases. Simply call the bank to transfer other credit card balances
• Add-on Card: Add-on Cards will have all the benefits that  is available on the main on Card
• Fuel & Railway Surcharge waiver:  Get 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000, and 1.8%  for transactions on irctc.co.in and 2.5% Indian railway booking counters

The Milestone Reward Program for 811 #DreamDifferent Credit Card Rupay variant- Milestone Offer benefits will be as per below construct:

Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

1. Rs. 250 voucher on spend of Rs. 36,000 in anniversary year
2. Rs. 1000 voucher on spend of Rs. 72,000 in anniversary year

Existing customers will also be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year. Cardholder may select any one of the below options:

Redemption Option 1: Cashback of Rs. 750

• Claim cashback within 3 months after anniversary year gets over
• If claimed, the cashback will reflect in the next billing cycle

Redemption Option 2: 4 free PVR tickets

• Claim PVR tickets within 3 months after the anniversary year gets over
• PVR tickets can be used for any day and any show and are transferrable
• Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com

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

• Get 4 reward points against every Rs. 100 of online spends
• Get 1 reward point against every Rs. 100 of other spends
• Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

Cons

• No complimentary golf/coaching sessions
• No Complimentary Airport Lounge Access