HDFC Freedom Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber
Welcome Bonus
500 CashPoints on payment of joining fee
Lounge
No Lounge Access
Our Expert Take
The HDFC Freedom Credit Card offers 10X CashPoints on Swiggy, Uber, BigBasket, BookMyShow & OYO with annual fee of ₹500 + Taxes waived on ₹50,000 annual spend.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10X on BigBasket, BookMyShow, OYO, Swiggy and Uber
Max 2,500 CashPoints per calendar month
-
All CashPoints on the card
Max 15,000 CashPoints per statement cycle
Where this card earns most
Paying directly in the app or site · 0.07% on other spends
Pros & Cons
Key Advantages
- 10X CashPoints on popular merchant partners (Swiggy, Uber, BigBasket, BookMyShow)
- 5X CashPoints on EMI spends
- 1% fuel surcharge waiver across all fuel stations
- Low annual spend requirement (₹50,000) for fee waiver
Limitations
- Monthly cap of 2,500 CashPoints on 10X categories
- 1 CashPoint per ₹150 on general retail spends is modest
- CashPoint redemption for statement credit requires minimum 500 points
Key Perks & Spending Milestones
10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber (max 2,500 CashPoints/month)
5X CashPoints on EMI transactions at merchant locations (max 2,500 CashPoints/month)
1 CashPoint per ₹150 spent on all other retail transactions
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250/cycle)
Up to 50 days of interest-free credit period
Spend milestone
Annual fee waived on retail spends of ₹50,000 in a membership year
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹50,000 annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹12,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Good (720+)
Frequently Asked Questions
What are HDFC Freedom Credit Card's best reward categories?
Does HDFC Freedom offer airport lounge access?
Is HDFC Freedom a good starter card?
Compare HDFC Freedom Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Freedom Credit Card This Card | ₹500 + Taxes | 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber | No Lounge Access | 4.1/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |