HDFC Bank Freedom Credit Card

Card Details

Enjoy 5 % Cash back on Movies, Dining, Supermarket, Bill Payment and Taxi Hiring, subject to maximum cashback of Rs. 150 per statement cycle.
Additionally, get 5% Cashback on Easy EMI, Payzapp, SmartBuy, subject maximum CashBack of Rs. 150 per statement cycle.
Zero Lost Card Liability post reporting of the loss of card.
Get renewal fee of Rs. 500 reversed if you spend Rs. 20,000 in the previous year.
0% fuel surcharge on transaction between Rs. 400 to Rs. 5000, subject to maximum Rs. 250 per statement cycle.

Pros	Cons
Low Annual Fee Zero Lost Card Liability Annual Fee Waiver Free Supplementary Cards	No cash back on less than Rs. 150 No reward points on fuel transactions No Joining Perks Zero Reward Points

Annual Fee: Rs. 500
First Year Fee: Rs. 500
Add-on Card Fee: Upto 3 Cards lifetime fee
Grace Period: 20-50 days
Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Cash Advance Fee: 2.5% or minimum Rs. 300 on each transactions
Late Payment Charges: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs. 400 for Rs. 501 to Rs. 5000; Rs. 500 for Rs. 5001 to Rs. 10,000; Rs. 700 for Rs. 1,001 and above
Overlimit Charges: 2.5% of the overlimit amount, subject to min of Rs. 500
Min Repayment Amount: 5% of Total Outstanding, subject to min Rs. 200
Cash Advance Limit: 4% of the credit limit
Cash Processing Fee: Rs. 100
Reward Redemption Fee: Rs. 75 per redemption request
Fuel Surcharge: 1%, waived off for transaction between Rs. 400 to Rs. 5000 and up to Rs. 250 waived off per statement cycle.
Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of Rs. 250
Convenience fee on fuel purchase: 1%
Card Replacement fee: Rs. 100
Foreign Currency Transactions: 3.5% of conversion mark-up fee

Get renewal fee of Rs. 500 reversed if you spend Rs. 20,000 in the previous year.
Enjoy 5 % Cash back on Movies, Dining, Supermarket, Bill Payment and Taxi Hiring, subject to maximum cashback of Rs. 150 per statement cycle.
Additionally, get 5% Cashback on Easy EMI, Payzapp, SmartBuy, subject maximum CashBack of Rs. 150 per statement cycle.