HDFC Bank UPI RuPay Credit Card vs HDFC Bank Freedom Credit Card
Joining Fees
₹250
₹500
Editor's Rating
3.5
4.3
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
- Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
- Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month
- Earn 1 CashPoint for every Rs. 150 on other spends
- Get up to 20% discount on partnered restaurants via Swiggy Dineout
- Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
- Zero lost Card liability
- Avail up to 50 days of interest-free period
- Enjoy Revolving Credit at a nominal interest rate
- Enjoy amazing dining benefits with the Good Food Trail program
- Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Get 500 CashPoints- this is applicable only on payment of membership fee
- Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
- Convert your big spends into EMI after purchase
- The Credit Card is enabled for contactless payments
- Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off
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
- Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
- Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150 on other spends
- Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions
Cons
- No golf benefits are provided
- No international and domestic airport lounge access
- No rewards
