Travel on Points

HDFC Bank Freedom Credit Card

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  • Joining fee

    ₹500 + GST

  • Annual fee

    ₹500 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, and Uber, and 1 CashPoint/₹200 Spent on All Other Purchases

  • Welcome benefits

    500 CashPoints

  • Reward redemption

    1 CashPoint = ₹0.15 for Various Redemption Options

Benefits

  • Movie & dining

    10% Off Up to ₹200 With Swiggy Dineout (Twice Each Month)

Fees & charges

  • Spend-based waiver

    Rs. 50,000 spent in the previous year

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    3.75% Monthly and 45.0% Annually

  • Fuel surcharge waiver

    1% Surcharge Waived for Fuel Transactions Between ₹400 and ₹5,000

  • Cash advance charges

    2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Product highlights

  • Complimentary 500 Cash Points as a welcome benefit.
  • Low interest rate of 0.99% for the first 90 days from the card issuance date.
  • 10X CashPoints on various popular brands.
  • 1 CashPoint/₹200 on all other spends with the card.

Pros & cons

Pros

  • Easy redemption of CashPoints against an array of categories.
  • Up to 10% off on partner restaurants via Swiggy Dineout

Cons

  • CashPoints expire after 2 years and are not valid for life.
  • This card does not offer benefits for entertainment or golf, nor does it provide access to domestic or international lounges.

FAQs

Do I get complimentary access to the domestic and international lounges on the HDFC Bank Freedom Credit Card?

No, HDFC Bank doesn’t provide complimentary domestic or international airport lounge access with the Freedom Credit Card.

Does HDFC Bank charge any fee for issuing add-on credit cards?

HDFC Bank does not charge any fee for issuing up to 3 add-on credit cards.

How much does HDFC Bank charge interest on this card?

HDFC Bank charges an interest of 3.75% per month on the HDFC Bank Freedom Credit Card.

What are the foreign currency mark-up charges levied by HDFC Bank on this card?

HDFC charges 3.5% of the transaction amount as a foreign currency markup fee on the Freedom Credit Card.