HDFC Bank Freedom Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
Overview
HDFC Bank Freedom Credit Card by HDFC Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints per calendar month)
- • Excluded Categories: Fuel, Wallet loads, Rent
Welcome Benefit
500 CashPoints on payment of joining fee; Qualification Criteria: Joining fee realization; Fulfillment Timeline: 30-45 days post fee realization
Milestone Benefit
Spend ₹50,000 (Annual): Annual fee waiver for subsequent year; Annual Fee Waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
Redemption
- • Statement Cashback at 1 CashPoint = ₹0.15
- • Flights and Hotel booking on SmartBuy at 1 CashPoint = ₹0.15
- • Product Catalogue at 1 CashPoint = ₹0.15
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- Good Food Trail Dining Privileges: Up to 15% discount on dining bills at partner restaurants. (Swiggy Dineout participating outlets) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank Freedom Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹12,000; Self-employed: ITR > ₹2.4 Lakhs
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Bank Freedom Credit Card issued by HDFC Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 500 CashPoints on payment of joining fee
- • Qualification Criteria: Joining fee realization
- • Fulfillment Timeline: 30-45 days post fee realization
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • Complimentary 1-year SonyLIV Premium subscription worth ₹999 upon first transaction within 30 days
- • Qualification Criteria: First card spend within 30 days of issuance
- • Fulfillment Timeline: Voucher code delivered via SMS within 30 days
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints per calendar month)
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Accelerated Rewards: Buy 1 Get 1 free movie ticket on District / Paytm Movies (up to ₹200 discount per month)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions