What is a good choice for someone with a first credit card? HDFC IOCL CC or HDFC Freedom CC?

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Deal Lieutenant
prodime17
A friend is getting an option for Lifetime free Credit card.

Following are the options:
1. Indian oil HDFC credit card
2. HDFC Freedom Credit card


His spends are mostly on Groceries, medicines, Fuel.

Can you guys help in deciding which card should be applied for?

Let me know about your experience with the above cards.

Thanks in advance smile
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For ur spends IOC card is suitable but it's cobranded card and it will be difficult to get limit enhancement and getting a core card in future. Freedom cards have the worst reward rate but it's a core card. If u have patience, don't take any card now and wait till u get some millennia or at least money back card (LTF).

Deal Lieutenant Deal Lieutenant
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Cool

Deal Cadet Deal Cadet
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Take Freedom they will upgrade to Money back LTF after 2-3 yrs.

Deal Lieutenant Deal Lieutenant
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Alright

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Deal Newbie Deal Newbie
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I am 19 yrs old I receive pre approved offer for freedom credit card shall I apply ?

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