Which CC is better?
20 days left

Credit Card Confusion

66°
Deal Cadet
LaptopHuntin...

HDFC offered me 2 LTF (Life Time Free) Cards:

HDFC Freedom Rupay

Swiggy Master Card

I am confused on which one to pick.

Swiggy offers me 1% Cashback on all spends

While Freedom gives 0.5 Rs per 150 Rs Spend but it's Rupay and Rupay CC = Offers these days


There is also a MoneyBack+ Card with double the benefits from Rupay and it's also LTF (But I don't want it for some reason)

Which one would be best?

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Deal Lieutenant Deal Lieutenant
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Get core card first, swiggy you can get it LATER anytime

 give priority for core card 

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Vanguard Vanguard
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Go with hdfc money-back or freedom card...as you will not get instant discount during sales from swiggy card . Later you can apply for swiggy card as well

Deal Cadet Deal Cadet
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I am leaning towards freedom too, because it offers more cb for the first users on the small transaction. 
Deal Cadet Deal Cadet
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Offered via call by agents?

Deal Cadet Deal Cadet
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Yes. I applied for Pixel. But Pixel has some charges. They offered me these 3 and dropped me a link to check
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Deal Newbie Deal Newbie
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But these cards are not pre approved now like previously we use to get pre approved cards

Deal Cadet Deal Cadet
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Right. 10-15 days to get them.
Pro Shopping Friend Pro Shopping Friend
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If it's your 1st HDFC Credit Card then take the Core Credit Card instead of co-branded.

Deal Cadet Deal Cadet
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So, Rupay or MoneyBack+?
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Deal Cadet Deal Cadet
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take both , first apply for moneyback and then after sucess apply for swiggy card through swiggy app

Deal Cadet Deal Cadet
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I am going for Rupay first. Moneyback is good too but having too many CC could be a problem IMO.

Rupay + Swiggy would be good I think
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Deal Lieutenant Deal Lieutenant
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Get core card first, swiggy you can get it LATER anytime

 give priority for core card 

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