HDFC Bank Freedom Credit Card vs PVR Kotak Gold Credit Card

Joining Fees

₹500

₹499

Editor's Rating

3

4.2

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
  • Obtain 15% Cash-back on Food and Beverages at PVR
  • Obtain 5% Cash-back on Movie tickets at PVR Box Office
  • No Joining Fee for the first year
  • Insurance Cover for Lost or Stolen Cards: PVR Gold Amount Insured per year Rs. 50,000

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

  • Avail 1 free PVR ticket every month on spends of Rs. 10,000 ( each ticket up to Rs.400)
  • Avail 2 free PVR tickets every month on spends of Rs. 15,000

Cons

  • No complimentary Golf lessons/green 
  • No complimentary Airport Lounge access


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