HDFC Bank Freedom Credit Cards

Live Apply Process

Welcome Benefits :- ​

• You get 500 bonus Cash Points after successfully paying the joining fee.

• You also get 500 bonus CashPoints every year on card renewal.​

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Rewards & Benefits :- 

Movie & Dining

Up to 20% off via Swiggy Dineout

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Rewards Rate

10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, and Uber and 1 CashPoint/₹150 Spent on All Other Purchases

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Reward Redemption

1 CashPoint = ₹0.15 for Various Redemption Options

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Travel 

N/A

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Domestic Lounge Access

NA

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International Lounge Access

NA

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Fees & Charges :- 

Spend-Based Waiver

Rs. 50,000 spent in the previous year

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Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

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Foreign Currency Markup

3.75% Monthly and 45.0% Annually

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Interest Rates

3.75% per month (45% annually)

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Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000

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Cash Advance Charges

Higher of 2.5% of the amount withdrawn or Rs. 500.

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Product Details :- 

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• 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/₹150 on all other spends with the card.

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Pros/Cons :-

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Pros

• Easy redemption of CashPoints against an array of categories.

• Up to 20% off on partner restaurants via Swiggy Dineout

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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.