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1st Year Fee: ₹500* Plus Applicable Taxes
Shopping
10X rewards on popular brands
Dining
Up to 20% off on dining bills
Fuel
Monthly savings of Rs. 250
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HDFC Freedom Credit Card is an entry-level card best suited for consumers who are new to credit. The card offers accelerated (10X) reward points on popular brands such as BigBasket, BookMyShow, OYO, Swiggy, and Uber—covering everyday categories like grocery, dining, travel, and entertainment. The accumulated CashPoints can be redeemed against multiple options, including cashback, travel bookings through the SmartBuy portal, air miles conversion, and products & vouchers via the rewards catalogue.
While the accelerated rewards on popular brands make it a good option for daily expenses, the low redemption value of 1 RP = Rs. 0.15 reduces the card’s overall value. In comparison, cards like SBI SimplyCLICK and HDFC MoneyBack+ offer better value back of up to 2.5% and 3.33%, respectively, at a similar annual fee.
Apart from rewards, the card also offers additional discount on Swiggy Dineout along with dining discounts at partner restaurants. Overall, this is a basic credit card with limited benefits but relaxed eligibility criteria, making it a suitable choice for new-to-credit individuals looking for a low annual fee card.
Rewards Earning
Reward Points Redemption
Redeem CashPoints at a value of 1 CashPoint = Rs. 0.15 against below categories:
The reward rate offered on HDFC Freedom Credit Card ranges from 0.1% to 1% (depending on the category), which is quite low compared to other similar cards available in the market. Cards like HDFC MoneyBack+ and SBI SimplyCLICK offer better reward rates. HDFC MoneyBack+ offers a reward rate ranging from 0.3% to 3.33%, while SBI SimplyCLICK offers a reward rate between 0.25% and 2.5%, which are better than the reward rate offered on HDFC Freedom.
Welcome/ Renewal Benefit
Dining Benefits
Annual Benefit
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||||
| Annual Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
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You are looking for an entry-level credit card with basic benefits
You regularly spend on brands like BigBasket, Swiggy, and Uber
You want a low annual fee card with multiple reward redemption options
You can spend Rs. 50,000 in a year to avail annual fee waiver
Age: 21 to 65 years
Income Requirement: Rs. 12,000 per month for Salaried
Income Requirement: ITR> Rs. 6 LPA for Self-employed
HDFC Freedom is an entry-level credit card that offers value back in the form of reward points, which can be redeemed across multiple categories. With accelerated (10X) CashPoints on popular brands including BigBasket, BookMyShow, OYO, Swiggy, and Uber, cardholders can save significantly on their everyday spends. In addition, the card offers additional discount and exclusive dining benefits through Swiggy Dineout, further enhancing its overall value.
HDFC Freedom Credit Card is an ideal option for consumers who are starting their credit journey and are looking for a low annual fee credit card. This is a basic credit card that does not have much to offer and comes with a comparatively lower reward rate than other cards like HDFC MoneyBack+ and SBI SimplyCLICK, which have a similar annual fee. However, its relaxed eligibility criteria make it a suitable option for individuals who are new to credit.
Everything you need to know about this credit card
HDFC Freedom Credit Card is an entry-level card designed for everyday expenses such as dining, groceries, travel, shopping and more. It offers value-back in the form of reward points, which can be redeemed across multiple categories as per your needs.
Yes, HDFC Freedom Credit Card is well-suited for students or first-time users as it has a low annual fee, basic benefits, and relaxed eligibility criteria. It helps you build your credit history while offering savings on everyday expenses.
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Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
