HDFC Bank Platinum Edge Credit Card vs HDFC Bank Freedom Credit Card

Joining Fees

₹0

₹500

Editor's Rating

3.5

3

Key Features

  • Renew the credit card’s membership for free by spending Rs 50,000 in a year
  • Get 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
  • Avail 50% more reward points at premium restaurants
  • Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs.  6000 per month)
  • Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
  • Zero liability on lost card after reporting the loss
  • Avail up to 50 interest-free days from date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • 50 days of interest-free credit
  • 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

Editor's Review

Pros

  • Get 2 reward points for every Rs. 150 spends
  • Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
  • Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program

Cons

  • No movie benefits
  • No golf benefits
  • No international and domestic lounge access

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


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