Visa, RuPay, Mastercard 📡 Contactless NFC

HDFC Bank Freedom Credit Card

Joining Fee₹500

Annual Fee₹500

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Starter cardholders, students, and first-jobbers looking for 10X points on Swiggy, Uber, and BigBasket with RuPay UPI support and low spend fee waiver.

Who Should Avoid

Users seeking airport lounge access or high accelerated air mile conversions.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

500 CashPoints upon payment of joining fee and realization

10X CashPoints on Top Brands

10X CashPoints (10 points per ₹150, 1.33% valueback) on BigBasket, Swiggy, Uber, BookMyShow, and SonyLIV.

5X CashPoints on EMI Spends

5X CashPoints on EMI spends at merchant checkout portals.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 CashPoints = ₹0.2

Standard Base Earning

1 CashPoint per ₹150 spent on all other retail transactions (0.13% return)

Accelerated / Partner Rate

10X CashPoints (10 points per ₹150, 1.33% return) on BigBasket, Swiggy, Uber, BookMyShow, and SonyLIV (capped at 2,500 points/month); 5X CashPoints on merchant EMI spends

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit (1 CashPoint = ₹0.20, min 2,500 points), SmartBuy Flights & Hotel Bookings (1 CashPoint = ₹0.20), Vouchers and merchandise via HDFC NetBanking

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1 CashPoint per ₹150 on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score650 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Freedom Credit Card

Annual Fee: ₹500/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, HDFC Bank Freedom Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).

HDFC Bank Freedom Credit Card ₹500/yr