Freedom Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Entry Level Rewards, Shopping, Dining, Travel
Top rewards
BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints): 10 CashPoints / ₹150 spent; UPI Transactions (RuPay Variant): 1 CashPoint / ₹150 spent; Other Retail Spends: 1 CashPoint / ₹150 spent
MoneyBack+ Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Household Spends, Shopping, Entry Level Rewards
Top rewards
Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent
| Feature | Freedom Credit Card | MoneyBack+ Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, Mastercard, RuPay | Visa, Mastercard, RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | CashPoints | CashPoints |
| Best for | Entry Level Rewards, Shopping, Dining, Travel | Household Spends, Shopping, Entry Level Rewards |
| Top reward categories | BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints): 10 CashPoints / ₹150 spent; UPI Transactions (RuPay Variant): 1 CashPoint / ₹150 spent; Other Retail Spends: 1 CashPoint / ₹150 spent | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 500 CashPoints on fee realisation, applicable only on payment of joining membership fee, Renewal fee waived on spending ₹50,000 or more in the preceding 12 months | Gift voucher worth ₹500 on spends of ₹50,000 per calendar quarter |
| Redemption | SmartBuy travel: upto ₹ 0.15 per point; Statement credit: upto ₹ 0.15 per point | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions |