Welcome benefits:- 500 CashPoints after the payment of joining and renewal fee.
Check your eligibility For This Card
Welcome benefits:- 500 CashPoints after the payment of joining and renewal fee.
Check your eligibility For This Card
HDFC Freedom Credit Card is an entry-level credit card ideal for first-time credit users. It offers accelerated rewards (10X CashPoints) on popular brands like BigBasket, BookMyShow, OYO, Swiggy, and Uber, covering groceries, dining, travel, and entertainment.
CashPoints can be redeemed for cashback, travel bookings via SmartBuy, air mile conversions, and products or vouchers through the rewards catalogue. The card also provides discounts on Swiggy Dineout and partner restaurants.
While it’s great for daily spending, the low redemption value of 1 RP = ₹0.15 reduces its overall value compared to cards like SBI SimplyCLICK and HDFC MoneyBack+. With its low annual fee and relaxed eligibility, it’s a good option for new-to-credit users.
Rewards Earning
Reward Points Redemption
Redeem CashPoints at 1 CashPoint = ₹0.15 for:
Welcome / Renewal Benefit
Dining Benefits
Annual Benefit
Fuel Surcharge Waiver
| Type of Charge | Amount |
|---|---|
| Annual fee | Rs.500 |
| Interest-free period | Up to 50 days |
| Minimum repayment amount | 5% or a minimum of Rs.200 |
| Charges on revolving credit | 3.49% per month |
| Cash advance limit | 40% of the credit limit |
| Late payment charges |
|
| Additional card fee | Free |
| Payment return charges | 2% of the payment amount subjected to a minimum of Rs.450. |
| Rewards redemption fee | Rs.99 per redemption request |
| Charges on over limit account | 2.5% of the over limit amount subjected to a minimum of Rs.500 |
| Cash advance charges | 2.5% of the amount withdrawn or Rs.500, whichever is higher |
| Balance transfer processing charges | 1% of the balance transfer amount or Rs.250. The higher amount will be taken. |
| Outstation cheque processing charges | Cheque value of up to Rs.5,000 - Rs.25 Cheque value of more than Rs.5,000 - Rs.50 |
| Cash processing fee | Rs.100 |
| Reissue of a stolen, lost or damaged card | Rs.100 |
| Railway ticket purchase fee | 1.8% of the transaction amount + GST |
| Foreign currency transactions | 3.5% |
| Fuel transaction charges | Rs.250 per statement cycle will be waived off |
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
Everything you need to know about this credit card
The annual fee is ₹500 + GST.
You get 500 CashPoints on payment of joining or renewal fee.
Earn 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber (up to 2,500 CashPoints/month) and 1 CashPoint per ₹150 on other eligible spends.
Redeem for products, vouchers, hotel/flight bookings via SmartBuy, airmiles conversion, or statement credit (1 CashPoint = ₹0.15).
Yes, 10% extra discount on Swiggy Dineout (up to ₹500) and up to 20% off at partner restaurants.
Yes, the annual fee is waived on spending ₹50,000 in a year.
Yes, 1% waiver on transactions between ₹400–₹5,000, capped at ₹250/month.
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