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| Feature | RBL Bank RBL Bank Cookies Credit Card | HDFC Bank HDFC Bank Freedom Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | HDFC Bank |
| Network | Mastercard + RuPay | RuPay |
| Annual fee | ₹1,200 + GST per year | ₹500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹50,000 annual spending |
| Base reward rate | 0.2% | 0.1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Myntra cashback: ₹300/month · Zomato cashback: ₹300/month · Uber cashback: ₹300/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹12,000/month salaried · ₹16,667/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Consistent online and UPI spenders able to cross ₹5,000 every month. | First-time HDFC applicants who prioritise low eligibility thresholds over a high base earn rate. |
| Main trade-off | This is a ₹100 monthly-fee product, not a conventional ₹1,200 annual-fee card. Missing even one monthly spend target can trigger that month’s fee, and regulated categories are excluded from rewards and the waiver. | Base value back is only 0.075% at ₹0.15 per CashPoint. Accelerated merchants and regulated categories have separate ceilings, exclusions and minimum transaction rules. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
