HDFC Bank Freedom Credit Card
HDFC Bank · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹50,000/yr spend |
| Welcome benefit | ~₹75 value |
| Airport lounges | None |
| No rewards on | fuel, rent, wallet, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10X on BigBasket/BookMyShow/OYO/Swiggy/Uber | 1% | ₹750 | bigbasket, bookmyshow, swiggy, uber |
| 5X on dining/groceries/movies/taxi | 0.5% | Uncapped | dining, grocery, entertainment |
| Base CashPoint (1 per Rs.150) | 0.1% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
10X on BigBasket, BookMyShow, OYO, Swiggy, Uber; 5X on dining/groceries/movies/railways/taxi. CashPoints ~Rs.0.15 on statement redemption.
Welcome: 500 CashPoints after joining-fee payment.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the HDFC Bank Freedom Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹50,000 a year.
What is the highest reward rate on the HDFC Bank Freedom Credit Card?
1% — 10X on BigBasket/BookMyShow/OYO/Swiggy/Uber. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank Freedom Credit Card give airport lounge access?
No, the HDFC Bank Freedom Credit Card does not include airport lounge access.