HDFC Bank Freedom Credit Card vs Tata Neu Infinity HDFC Bank 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

• In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
• 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
• 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
• 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
• Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
• Reward points gained on Grocery transactions will be capped to 2,000 per month
• Zero lost card liability
• Foreign Currency Markup: 2% on all your foreign currency spends
• Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
• International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
• International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

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

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs. 9 lakhs
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app