HDFC Bank UPI RuPay Credit Card vs HDFC Bank Freedom Credit Card
Joining Fees
₹250
₹500
Editor's Rating
3.5
3
Key Features
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards
- 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
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends
Cons
* No Golf benefits
* No airport lounge access
* No fuel benefits
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
