Compare Cards India - Apply Right Credit Card For You

HDFC Bank Millennia Credit Card Apply Now	HDFC Bank MoneyBack Plus Credit Card Apply Now	HDFC Bank Freedom Credit Card Apply Now
Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 500 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits 500 CashPoints	Welcome Benefits 500 CashPoints
Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate 2 CashPoints for every Rs. 150 you spend on retail purchases, 5X CashPoints per EMI spends at select merchants, 10X CashPoints on partner brands.	Rewards Rate Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.
Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout	Movie & Dining Up to 15% off on dining at over 2,000 premium restaurants.	Movie & Dining Up to 20% off via Swiggy Dineout
Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption CashPoints redeemable for cashback, purchasing products, flight/hotel bookings via SmartBuy and partner airlines' AirMiles	Reward Redemption 1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.
Travel 4 complimentary airport lounge access every year, 1 per quarter	Travel N/A	Travel N/A
Golf N/A	Golf N/A	Golf N/A
Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge N/A	Domestic Lounge N/A
International Lounge N/A	International Lounge N/A	International Lounge N/A
Insurance Benefits N/A	Insurance Benefits N/A	Insurance Benefits N/A
Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection No liability for the cardholder towards the transactions done on a lost/stolen card if the issue is reported to the bank in a timely manner.	Zero Liability Protection Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.
Fees & Charges

Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 500 + GST
Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver Renewal fee waived off on spending Rs. 50,000 or more in the previous year	Spend Based Waiver Rs. 50,000 spent in the previous year
Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee Rs. 99 per redemption request	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 3.5 % of the transacted amount	Foreign Currency Markup 3.5% on the conversion amount (plus applicable taxes)
Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.6% per month (or 43.2% annually)	Interest Rates 3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.
Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.	Fuel Surcharge 1% fuel surcharge waiver applicable on all fuel transactions	Fuel Surcharge 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000
Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges 2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)	Cash Advance Charges 2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC Bank Millennia Credit Card

HDFC Bank MoneyBack Plus Credit Card

HDFC Bank Freedom Credit Card

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