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CARD VS CARD · 28 APPS COMPARED

HDFC Freedom vs HDFC MoneyBack+

HDFC Freedom wins on 2 apps, HDFC MoneyBack+ on 25. HDFC Freedom for BookMyShow and Uber; HDFC MoneyBack+ for Amazon and Flipkart.

HDFC Bank Freedom Credit Card

HDFC Freedom

2 apps

Best for BookMyShow and Uber

₹500 a yearFee waived at ₹50,000 spendPaid as CashPoints
HDFC Bank MoneyBack+ Credit Card

HDFC MoneyBack+

25 apps

Best for Amazon, Flipkart and BigBasket

₹500 a yearFee waived at ₹50,000 spendPaid as CashPoints

They earn the same on 1 app.

App by app

Biggest differences first. Blue marks the card that earns more.

AppHDFC FreedomHDFC MoneyBack+
  1. Amazon0.07%min ₹2002%min ₹200
  2. Flipkart0.07%min ₹2002%min ₹200
  3. BigBasket0.75%min ₹2002%min ₹200
  4. Swiggy0.75%min ₹2002%min ₹200
  5. BookMyShow0.75%min ₹2000.2%min ₹200
  6. Uber0.75%min ₹2000.2%min ₹200
  7. Airtel Thanks0.07%min ₹2000.2%min ₹200
  8. AJIO0.07%min ₹2000.2%min ₹200
  9. Apollo 24|70.07%min ₹2000.2%min ₹200
  10. Blinkit0.07%min ₹2000.2%min ₹200
  11. Cleartrip0.07%min ₹2000.2%min ₹200
  12. District0.07%min ₹2000.2%min ₹200
  13. Domino's0.07%min ₹2000.2%min ₹200
  14. Goibibo0.07%min ₹2000.2%min ₹200
  15. ixigo0.07%min ₹2000.2%min ₹200
  16. JioMart0.07%min ₹2000.2%min ₹200
  17. MakeMyTrip0.07%min ₹2000.2%min ₹200
  18. Meesho0.07%min ₹2000.2%min ₹200
  19. Myntra0.07%min ₹2000.2%min ₹200
  20. Nykaa0.07%min ₹2000.2%min ₹200
  21. PVR INOX0.07%min ₹2000.2%min ₹200
  22. Reliance Digital0.07%min ₹2000.2%min ₹200
  23. Swiggy Instamart0.07%min ₹2000.2%min ₹200
  24. Tata CLiQ0.07%min ₹2000.2%min ₹200
  25. Tata Neu0.07%min ₹2000.2%min ₹200
  26. Zepto0.07%min ₹2000.2%min ₹200
  27. Zomato0.07%min ₹2000.2%min ₹200
  28. IRCTC Rail Connect0%min ₹2000%min ₹200

Questions people ask

Which is better, HDFC Freedom or HDFC MoneyBack+?

HDFC Freedom earns more on 2 of the 28 apps Pickkard covers, HDFC MoneyBack+ on 25, and they earn the same on 1. Choose HDFC Freedom if you spend most on BookMyShow and Uber. Choose HDFC MoneyBack+ if you spend most on Amazon, Flipkart and BigBasket.

Which has the lower fees, HDFC Freedom or HDFC MoneyBack+?

HDFC Freedom: joining ₹500, annual ₹500 (Renewal fee waived for the next year after ₹50,000 of spend in a year.). HDFC MoneyBack+: joining ₹500, annual ₹500 (Renewal fee waived after ₹50,000 of spend in the card year before the renewal date.).

Can I use both HDFC Freedom and HDFC MoneyBack+?

Yes. Many people keep both and use each where it earns more: HDFC Freedom on BookMyShow and Uber, HDFC MoneyBack+ on Amazon, Flipkart and BigBasket. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.