HDFC Bank 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 / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 spent
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
| Feature | HDFC Bank MoneyBack+ Credit Card | HDFC Bank Freedom 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 | household spends, shopping, entry level rewards | entry level rewards, shopping, dining, travel |
| Top reward categories | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 spent | 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 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Gift voucher worth Rs 500 on spends of Rs 50,000 per calendar quarter | 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 |
| Redemption | SmartBuy travel: upto Rs 0.25 per point; Statement credit: upto Rs 0.25 per point | SmartBuy travel: upto Rs 0.15 per point; Statement credit: upto Rs 0.15 per point |
| Key exclusions | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals |