Basic Information

Welcome Benefits 500 CashPoints on payment of joining membership fee

Card Details Card Name: HDFC Bank Freedom Credit Card; Bank Name: HDFC Bank; Card Type: Rewards Credit Card

Card Category Entry Level

Payment Network Visa / Mastercard / RuPay — Exact network variant card issue के अनुसार verify करें

Eligibility Minimum Age: 21 years; Maximum Age: 60 years; Gross Monthly Income: Above ₹12,000; Employment Type: Salaried / Self-employed

Rewards Program

Reward Points 10X CashPoints: 10 CashPoints per ₹150 on BigBasket, BookMyShow, OYO, Swiggy & Uber; Other eligible spends: 1 CashPoint per ₹150; Maximum 10X CashPoints: 2,500 per calendar month; Maximum CashPoints: 15,000 per statement cycle

Redemption Redeem CashPoints as Cashback, Reward Catalogue or SmartBuy Travel; Cashback redemption available after subsequent statement generation

Travel Benefits

Travel Offers SmartBuy Travel redemption option available

Shopping Benefits

Online Shopping 10X CashPoints on BigBasket; 10X CashPoints on BookMyShow

Brand Offers 10X CashPoints on OYO, Swiggy & Uber

Fuel Benefits

Fuel Savings 1% Fuel Surcharge Waiver; Eligible transaction: ₹400–₹5,000; Maximum waiver: ₹250 per statement cycle

Dining & Entertainment

Movies 10X CashPoints on BookMyShow

Entertainment 10X CashPoints on Swiggy

Lifestyle Benefits

Luxury Services 10X CashPoints on OYO

Daily Spending Benefits

Utility Bills Utility transactions: Reward Points capped at 2,000 per calendar month

Insurance Payments Insurance transactions: Reward Points not earned

Insurance & Protection

Insurance No specific insurance benefit confirmed

Digital Features

Payments Contactless Payment (Tap & Pay): Available — exact card variant confirmation recommended

Add-on Features

EMI Features Easy EMI / EMI facility available; EMI transactions do not earn Reward Points

Fees & Charges

Joining Charges Joining Fee: ₹500

Annual Charges Annual Fee: ₹500; Annual Fee Waiver: Spend ₹50,000 in a year to get the next year's annual membership fee waived

Finance Charges Late Payment Fee: Applicable as per HDFC Bank's prevailing schedule of charges

Cash Advance Charges Cash Withdrawal Fee: 2.5% of withdrawn amount or ₹500, whichever is higher

Forex Charges Foreign Currency Transaction Markup: 3.5%

Other Charges Reward Redemption Fee: Not separately confirmed

Customer Support

Service HDFC Bank customer support available

Performance & Ratings

Best Usage Best For: Everyday spending, BigBasket, BookMyShow, OYO, Swiggy, Uber and Fuel

Advantages 10X CashPoints on selected merchants; Fuel surcharge waiver; Annual fee waiver on ₹50,000 yearly spend

Limitations 10X CashPoints capped at 2,500/month; Maximum CashPoints capped at 15,000/statement cycle; Fuel surcharge waiver capped at ₹250/statement cycle; EMI, Rent, Fuel, Government, Wallet loads and other excluded transactions do not earn regular CashPoints