HDFC Bharat Credit Card vs HDFC Bank Freedom Credit Card

• Get 5% monthly cashback by booking tickets through IRCTC
• On Fuel expenses, enjoy savings with 5% monthly cashback
• Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• On Groceries spends, enjoy savings with 5% monthly cashback
• Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase
• Get Revolving Credit at Nominal interest rate
• Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

• 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 

Pros

• Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase

Cons

• No Lounge Access
• No Golf 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