HDFC Moneyback Credit Card vs HDFC Bank EasyEMI Credit Card

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

• Milestone Benefit: Spend Rs. 20000 and more in the first 90 days to get first year membership fee waived off
• Launch Offer: Get Rs. 1000 worth gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter, for the first year only
• Contactless payment enabled
• Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
• Get 2.5% CashBack on all online spends
• Get 1% CashBack on all offline spends and Wallet reloads
• All transactions of Rs. 10,000 and more will be auto converted to EasyEMI for 9 months. Do note that auto conversion will not be applicable on gold, jewellery, and fuel transactions, and the conversion will be processed after 5 business days from the date of transaction
• Zero Lost card liability 
• Up to 50 days of interest free period from the date of purchase
• Revolving Credit is available at a nominal interest rate
• Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%

Pros

• Launch Offer
• Get 5% CashBack on Amazon, Flipkart, Flight and Hotel bookings on shopping via PayZapp and SmartBuy
• Get 2.5% CashBack on all online spends

Cons

• No golf benefits
• No rewards benefits
• No airport lounge access