HDFC Freedom Credit Card Vs Regalia First Credit Card
HDFC Freedom Credit Card
This credit card is an entry-level credit card and is best suited for first-time credit card users. The HDFC Freedom credit card is a cashback-based credit card that lets you enjoy several benefits on shopping, dining, etc. Hereunder are the key highlights of this credit card.
Joining Fee: Rs. 500 Plus Applicable Taxes
Renewal Fee: Rs. 500 Plus Applicable Taxes
Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 50,000 in the previous year.
Features and Benefits:
As a welcome benefit, you get to enjoy 500 CashPoints with this credit card.
Earn 1 CashPoint on every Rs. 150 spent on all categories.
Earn 5x CashPoints on EMI transactions at merchant outlets.
Earn 10x CashPoints on every Rs. 150 spent on Big Basket, Swiggy, BookMyShow, etc.
Save up to 15% on dining bills at partner restaurants.
On fuel transactions between Rs. 400 - Rs. 5,000 you get a 1% fuel surcharge waiver.
HDFC Regalia First Credit Card
This credit card is ideal for those who are ready to upgrade from the entry-level credit card. The HDFC Regalia First Credit Card lets you enjoy shopping and dining benefits along with other benefits like dining, bonus reward points, etc. Here are the key features of this credit card.
Joining Fee: Rs. 1,000 Plus Applicable Taxes
Renewal Fee: Rs. 1,000 Plus Applicable Taxes
Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 1 lakh in the previous year.
Features and Benefits:
As a welcome benefit, you get to enjoy 1,000 bonus reward points with this credit card.
Earn 4 reward points on every Rs. 150 spent on all categories using this credit card.
Enjoy 8 complimentary domestic lounge access and 3 complimentary international lounge access every year with this card.
Save up to 30% on dining bills at partner restaurants.
Get air accident insurance worth Rs. 50 lakh and other comprehensive insurance packages.
On fuel transactions between Rs. 400 - Rs. 5,000 you get a 1% fuel surcharge waiver.
Enjoy a low foreign markup fee of 2%.
Bottom Line:
To summarise, both cards are good at their own places. It completely depends on your needs and spending habits and which credit card suits them the best. Choose the one that compliments your requirements and helps you save money. Just remember to keep the credit card dues clear and maintain a low credit utilization ratio in order to keep enjoying the benefits of your credit card.
Additional Reading: How To Get A Good CIBIL Score Without Any Credit History?
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