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
