HomeCredit CardsHDFC Bank Freedom Credit Card
HDFC Bank Freedom Credit Card

HDFC Bank

HDFC Bank Freedom Credit Card

visabasiccreditshoppingonline

Annual Fee

₹500

Base Reward

1% points

Foreign Markup

3.5% on the conversion amount (plus applicable taxes)

4.2/5

Welcome Benefits

500 CashPoints as a welcome benefit.

Product Highlights

  • 10X CashPoints on BigBasket, Swiggy, BookMyShow, OYO, and Uber
  • 500 bonus CashPoints on card renewal
  • 1% fuel surcharge waiver at all filling stations

Category Rewards

shopping

10X CashPoints

10X CashPoints

dining

10X CashPoints

10X CashPoints

Fee Waiver

Waived on ₹50,000 annual spend

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
BigBasket

BigBasket

online(2,500 CashPoints/month)

10X CashPoints
Swiggy

Swiggy

online(2,500 CashPoints/month)

10X CashPoints
BookMyShow

BookMyShow

online(2,500 CashPoints/month)

10X CashPoints
OYO

OYO

online(2,500 CashPoints/month)

10X CashPoints
Uber

Uber

online(2,500 CashPoints/month)

10X CashPoints

Rewards Details

10X CashPoints on BigBasket, Swiggy, BookMyShow, OYO, and Uber. 1 CashPoint for every ₹150 spent on all other purchases.

Reward Points — Redemption Value
  • 1 CashPoint = ₹0.15 for various redemption options.

Benefits & Features

Domestic: N/A International: N/A No complimentary lounge access provided with this card.

Pros & Cons

Pros

  • Easy redemption of CashPoints against an array of categories
  • Up to 20% off on partner restaurants via Swiggy Dineout

Cons

  • CashPoints expire after 2 years
  • No benefits for entertainment or golf
  • No lounge access provided

Additional Info

CashPoints can only be redeemed for cashback if a minimum of 500 CashPoints is available.

You can only use up to 50% of Cash Points to book flights/hotels on SmartBuy; the rest must be paid by credit card.

Maximum redemption of reward points in a calendar month is capped at 50,000.

Maximum 2,500 CashPoints per month on accelerated categories.

Excluded Categories

rentfuelemiwalletgift card purchasescash advancesgovernment transactions

Partner Merchants

BigBasketSwiggyBookMyShowOYOUber

Fees & Charges

Annual Fee₹500
Joining Fee₹500 + GST
Fee WaiverWaived on ₹50,000 annual spend
Foreign Markup3.5% on the conversion amount (plus applicable taxes)
Interest Rate3.75% per month (45% annually)
Cash Advance2.5% of the withdrawn amount, subject to a minimum charge of ₹500
Redemption Fee₹99 per redemption request (plus applicable taxes)

Eligibility

Min Age

21 yrs

Salaried

₹0.1L+

Self-Emp

₹6.0L+

Networks

visamastercardrupay