Check below for a comparison between HDFC Easy EMI vs Moneyback Credit Card or HDFC Moneyback Credit Card vs HDFC Easy EMI and find which is better –
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Overview of HDFC Easy EMI Credit Card
The Easy EMI credit card from HDFC Bank offers customers enticing CashBack incentives and convenient EMI options for qualifying transactions.
With an initial fee of Rs. 500, the card provides attractive welcome perks, including 500 CashPoints and gift vouchers valued at Rs. 1,000.
Users can enjoy a 5% cashback on Payzapp & Smartbuy shopping, a 2.5% cashback on all online transactions, and a 1% cashback on offline purchases.
Overview of HDFC Moneyback Credit Card
Upon payment of the joining or renewal fee, you receive a yearly welcome and renewal benefit of 500 Cash points.
Moreover, the possibility of having the renewal fee waived exists, contingent on your annual spending.
This card ensures 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.
These reward points are versatile, allowing redemption for cashback, SmartBuy flight/hotel bookings, and diverse products/vouchers. Furthermore, based on your quarterly spending, you can also acquire gift vouchers every quarter.
HDFC Easy EMI vs Moneyback Credit Card
| Features/Charges | HDFC Easy EMI Credit Card | HDFC Moneyback Credit Card |
|---|---|---|
| Joining Fees | The initial fee of Rs. 500 is exempted if you make purchases totaling Rs. 20,000 or more in the initial 90 days following card issuance. | Rs. 500 |
| Annual Fees | Rs. 500 | Rs. 500 |
| Welcome Benefits | As a greeting perk, you’ll receive 500 CashPoints | The payment of the membership fee entitles you to a welcome benefit of 500 Cash Points. |
| Cashback / Rewards point | Receive a 2.5% cashback on every online purchase and a 1% cashback on all offline transactions. | Get 4 Reward Points with every Rs 150 spent online and 2 Reward Points for any other type of expenditure. |
| Dining benefits | N/A | Save up to 20% on your dining costs when you utilize Swiggy Dineout. |
| Travel benefits | N/A | N/A |
| Annual fees waiver | The annual fee is exempted if you spend Rs. 50,000 or more in the preceding year. | If you spend Rs. 50,000 or above in the last year, the annual fee is nullified. |
| Fuel surcharge waiver | The 1% fuel surcharge is exempted for all fuel transactions | There is no 1% fuel surcharge for any fuel transactions. |
Easy EMI Credit Card Rewards & Redemption
Earn a 5% cashback on Amazon, Flipkart, and hotel/flight bookings when you shop through PayZapp or Smartbuy, with a minimum transaction of Rs. 2,000.
Enjoy a maximum cashback of Rs. 1,000 per month for the initial 6 months after receiving the card, followed by a maximum benefit of Rs. 750 after the first 6 months.
Receive a 2.5% cashback on all online purchases for transactions over Rs. 2,000, with a capped benefit of Rs. 750 per calendar month.
Additionally, receive a 1% cashback on all offline spends for purchases over Rs. 100, with a maximum benefit of Rs. 750 per calendar month.
Auto-convert spends of Rs. 10,000 or more into Easy EMI for 9 months, excluding fuel, gold, or jewelry purchases. Cash points acquired are valid for one year from the date of accumulation.
This card allows you to accumulate cashback in the form of CashPoints, and you have the flexibility to redeem these CashPoints at an attractive rate of 1 CashPoint = Re. 1 against your statement balance.
Additionally, these CashPoints can be utilized for various other purposes, each with its own redemption rate. Furthermore, based on your spending patterns, you have the opportunity to have your joining and renewal fees waived.
