Which card has a lower forex fee: HDFC Freedom Credit Card or HDFC MoneyBack Plus Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Freedom Credit Card or HDFC MoneyBack Plus Credit Card?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

HDFC Freedom Credit Card: Domestic lounge details not available. HDFC MoneyBack Plus Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

HDFC MoneyBack Plus Credit Card has higher base reward value (~0.33% vs ~0.3%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Freedom vs HDFC Bank MoneyBack Plus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Freedom and the HDFC Bank MoneyBack Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Freedom HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

MoneyBack Plus HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Freedom

10 CashPoints / ₹100 on BigBasket (domestic) + 10 CashPoints / ₹100 on BookMySh…

MoneyBack Plus

10 CashPoints / ₹100 on Amazon (domestic) (10X CashPoints on select merchants.)…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Freedom: ₹500 vs HDFC Bank MoneyBack Plus: ₹500), forex markup (3.5% vs 3.5%), or lounge access (Not specified vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only HDFC Bank MoneyBack Plus has comparable evidence here. Domestic lounge access is 0 visits/year.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

MoneyBack Plus: ~₹170/month at base rate
Freedom: ~₹150/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Freedom HDFC Bank	MoneyBack Plus HDFC Bank
Lounge Access
Domestic lounge visits Only available for MoneyBack Plus	Not specified	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend	₹50,000	₹50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 2 pts/₹150	2 pts/₹100	2 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.15 vs ₹0.25	₹0.15	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.