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    HDFC Freedom Credit Card

    cat name Rewards
    cat name Online Shopping
    3.0/5.0

    Rewards3.0/5

    Dining Benefits3.0/5

    Online Shopping3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹500* Plus Applicable Taxes

    Shopping

    Shopping

    10X rewards on popular brands

    Dining

    Dining

    Up to 20% off on dining bills

    Fuel

    Fuel

    Monthly savings of Rs. 250

    Updated on October 23, 2025 12:46 pm

    Author: Shruti Sharma

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    About The CardRewards ProgramOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About HDFC Freedom Credit Card

    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.

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    Rewards Program

    Rewards Earning

    • 10X CashPoints on spends at BigBasket, BookMyShow, OYO, Swiggy & Uber, up to 2,500 CashPoints per month
    • 1 CashPoint for every Rs. 150 spent on other categories, including UPI spends1

    Reward Points Redemption

    Redeem CashPoints at a value of 1 CashPoint = Rs. 0.15 against below categories:

    • Products & vouchers through the rewards catalogue2
    • Hotels & flight bookings through the SmartBuy portal3
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    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.
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    HDFC Freedom Credit Card: Other Features & Benefits

    Welcome/ Renewal Benefit

    • 500 CashPoints after the payment of joining and renewal fee

    Dining Benefits

    • 10% additional discount on Swiggy Dineout, capped at Rs. 2004
    • Up to 20% off on dining bills at partner restaurants through Swiggy Dineout

    Annual Benefit

    • Annual fee waiver on spending Rs. 50,000 in a year
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    HDFC Freedom Credit Card: Fees and Charges

    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
    For Statement Balance:
    Up to Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 500
    Rs. 1,001 to Rs. 5,000 Rs. 600
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 900
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if

    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

    Eligibility Criteria

    Age: 21 to 65 years

    Income Requirement: Rs. 12,000 per month for Salaried

    Income Requirement: ITR> Rs. 6 LPA for Self-employed

    Paisabazaar Review

    Overall Rating

    3.0/5

    Rewards3.0/5

    Dining Benefits3.0/5

    Online Shopping3.5/5

    What do we like about this card?

    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.

    Pros

    • Accelerated reward points on popular brands
    • Redemption of reward points against multiple categories
    • Easily achievable spending milestone for annual fee waiver
    • Welcome or renewal benefits in the form of bonus reward points
    • Exclusive dining benefits through Swiggy Dineout

    Cons

    • Low reward redemption value of 1 RP = Rs. 0.15
    • No travel benefits like lounge access
    • No reward points on rent payments and government related transactions

    Conclusion

    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.

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    Frequently Asked Questions

    Everything you need to know about this credit card

    You can apply for this credit card online through the official website of the bank. All you need to do is open the page of this credit card and click on ‘Apply Now’ to fill out the application form. You can also apply offline for this credit card by visiting the nearest branch of the bank and submitting a duly-filled application form.

    You can redeem your earned reward points online via internet banking. You can log in to the internet banking portal and go to the ‘Online Redemption’ and choose the products as per your choice to redeem your reward points. Additionally, you can also redeem your earned reward points offline by posting the rewards redemption form to the HDFC card division.

    Yes, you can check your credit card statement online by visiting the official website of HDFC Bank. Log in to your account and go to ‘Cards’ section and select the ‘Enquire’ option to view your statement. You can also use HDFC mobile banking app to download your billed statement.

    In case of default payments, the card charges an annual interest rate of 45%. Besides this, in case of late payments, you have to pay up to Rs. 1,300 as late payment charges according to the outstanding balance.

    Yes, HDFC Freedom is an entry-level card designed for consumers who are planning to start their credit journey. You can apply for this card and save on popular brands like Swiggy, BookMyShow, OYO, and Uber.

    HDF Freedom is a rewards credit card offering value back in the form of rewards, which you can redeem against multiple categories, along with cash redemption at a value of Rs. 0.15 per point. On the other hand, HDFC Millennia is a cashback card, allowing you to redeem earned CashPoints against cashback at a 1:1 ratio.

    HDFC Freedom Credit Card charges an annual fee of Rs. 500 + applicable taxes. However, this fee is waived if you spend Rs. 50,000 or more in a year.

    All Indian nationals above the age of 21, whether salaried or self-employed, can apply for this credit card, provided that they meet the income criteria and other card-specific requirements. The maximum age requirement to apply for this credit card is 60 years for salaried applicants and 65 years for self-employed applicants.

    HDFC Freedom is an entry-level credit card that offers basic benefits such as 10X CashPoints on spends made at BigBasket, BookMyShow, OYO, Swiggy, and Uber, and 1 CashPoint for every Rs. 150 spent on other categories. Additionally, the card offers dining discounts through Eazydiner and an additional 10% discount on Swiggy Dineout.

    To redeem HDFC Freedom Credit Card reward points, you can log in to your net banking account using your User ID and password. Then, navigate to the Credit Cards section and click on “Redeem Now” to redeem your accumulated reward points from the available options as per your preferences.

    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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    Footnotes

    1. No reward points will be offered on rent payments and govt related transactions. Also, reward points earned on grocery and UPI transactions are capped at 1,000 and 500 reward points per month, respectively.
    2. You can only redeem up to 70% of product/ voucher value through reward points on select vouchers/ products.
    3. Reward points redemption against flight & hotel bookings and cashback are capped 50,000 per month.
    4. This benefit can be availed twice a month on minimum order value of Rs. 2,000. Use coupon code: HDFCCARDS at the time of checkout.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    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.

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