HDFC Bank 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 / Rs 150 spent; UPI transactions (RuPay variant): 1 CashPoint / Rs 150 spent; Other retail spends: 1 CashPoint / Rs 150 spent
Reliance SBI Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
reliance, shopping, jiomart, ajio, dining
Top rewards
AJIO and JioMart online spends: 10 Reward Points / Rs 100 spent; Other participating Reliance Retail stores: 5 Reward Points / Rs 100 spent; Dining & movie spends: 5 Reward Points / Rs 100 spent
| Feature | HDFC Bank Freedom Credit Card | Reliance SBI Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa, Mastercard, RuPay | Mastercard, RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | CashPoints | reward points |
| Best for | entry level rewards, shopping, dining, travel | reliance, shopping, jiomart, ajio, dining |
| Top reward categories | BigBasket, BookMyShow, OYO, Swiggy, and Uber (10X CashPoints): 10 CashPoints / Rs 150 spent; UPI transactions (RuPay variant): 1 CashPoint / Rs 150 spent; Other retail spends: 1 CashPoint / Rs 150 spent | AJIO and JioMart online spends: 10 Reward Points / Rs 100 spent; Other participating Reliance Retail stores: 5 Reward Points / Rs 100 spent; Dining & movie spends: 5 Reward Points / Rs 100 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 Rs 50,000 or more in the preceding 12 months | Reliance Retail voucher worth Rs 500 on annual spends of Rs 25,000 at eligible Reliance formats, Reliance Retail voucher worth Rs 750 on annual spends of Rs 50,000 at eligible Reliance formats, Reliance Retail voucher worth Rs 1,000 on annual spends of Rs 80,000 at eligible Reliance formats |
| Redemption | SmartBuy travel: upto Rs 0.15 per point; Statement credit: upto Rs 0.15 per point | Statement credit: upto Rs 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, cash advances, balance transfers, wallet loading transactions, rent payments, digital gaming transactions |