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
Shoppers Stop Credit Card
Rs 299Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Shoppers Stop, Shopping, Entry Level Lifestyle, UPI
Top rewards
Shoppers Stop Spends: 3% Reward Points; Other Spends: 1% Reward Points
| Feature | Freedom Credit Card | Shoppers Stop Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, Mastercard, RuPay | Visa, RuPay |
| Joining fee | Rs 500 | Rs 299 |
| Annual fee | Rs 500 | Rs 299 |
| Fee waiver spend | Rs 50,000 | - |
| Reward type | CashPoints | Reward Points |
| Best for | Entry Level Rewards, Shopping, Dining, Travel | Shoppers Stop, Shopping, Entry Level Lifestyle, UPI |
| 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 | Shoppers Stop Spends: 3% Reward Points; Other Spends: 1% Reward Points |
| 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 | Not Listed |
| Redemption | SmartBuy travel: upto ₹ 0.15 per point; Statement credit: upto ₹ 0.15 per point | SmartBuy travel: upto ₹ 0.2 per point; Air miles: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.2 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 transactions, Rent payments, Utility bill payments, Insurance premium payments, EMI transactions, Government-related transactions |