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Credit Cards · India

HDFC Bank Freedom Credit Card

Updated 15 Apr 2026Source-linked

The HDFC Bank Freedom Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹500 + GST.

It earns up to 5% back on dining entertainment grocery spends in the form of cashpoints (points).

HDFC Bank logo
HDFC Bank Freedom Credit Card
Visa logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForEveryday spends
  • Reward TypeCashPoints (points)
Rewards Rate
  • 5% on dining entertainment grocery (cap 2500 points / monthly)
  • Base 0.17% on other spends
Welcome Benefits
  • Not applicable
HDFC Bank logoHDFCVisa logoclassicentry
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Rewards and Benefits

Rewards Rate
5% on dining entertainment grocery (cap 2500 points / monthly)
Base 0.17% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by HDFC Bank.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹50,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Accelerated earn rate of 5% on dining entertainment grocery.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on dining entertainment grocery (cap 2500 points / monthly)

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
700+
Income (salaried)
₹1,20,000 p.a.
Income (self-employed)
₹2,40,000 p.a.
Tagsentrypointslowest tier