HDFC Bank Freedom Credit Card

Name: HDFC Bank Freedom Credit Card
Brand: HDFC Bank

HDFC Bank • A lifestyle starter card tuned for food, movies and city travel.

Apply Now →

View Compare

Freedom is an entry level lifestyle card that pays 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber, and 1 CashPoint per ₹200 on other spends. Each CashPoint is worth ₹0.15 against the statement or on SmartBuy, so the returns are modest but the fee is low. It also includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.

Annual Fee (+ 18% GST)₹500 (₹590 incl. GST)

Fee Waiver₹50,000 annual spend

Joining Perk500 CashPoints as a welcome benefit on paying the joining fee

Primary Reward10X CashPoints, that is 10 CashPoints per ₹200, on BigBasket, BookMyShow, OYO, Swiggy and Uber

Airport Lounge AccessNo complimentary lounge access with this card; it is not listed among the lounge-eligible cards in the HDFC Bank MITC

Forex Markup3.5% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForYoung users who spend on food delivery, movies, cabs and weekend plans

What We Like

10X CashPoints on food delivery, movies, groceries and cab rides
Low ₹500 fee, waived on ₹50,000 annual spend
RuPay variant earns points on UPI spends, capped at 500 points a month

Watch Out

Each CashPoint is worth only ₹0.15, so real returns stay under 1%
No complimentary lounge access
10X earnings are capped at 2,500 CashPoints per month

MITC & Hidden Charges

18% GST applies to annual fee (Total ₹590). International or cross currency transactions attract a 3.5% markup fee plus GST. Other charges as per the issuer's MITC.