HDFC Bank Freedom Credit Card

HDFC Bank · ₹500 a year · fee waived on ₹50,000 of annual spend

An entry card; its rewards are very small outside five brands.

Base rate: 0.08% as Reward Point.

What the bank says

• 10X points at Big Basket, BookMyShow, OYO, Swiggy and Uber
• 1 reward point per ₹200 on other spends
• Renewal fee waived on annual spends of ₹50,000

Where it pays more

• 0.75% at Big Basket, BookMyShow, OYO, Swiggy and Uber (10X points)

Things that catch people out

• Points are worth ₹0.15 each, however you redeem them.
• We assume half of your spending in these categories is at the five brands.

Joining fee: ₹500. Foreign currency markup: not published.

Read from HDFC Bank’s own page on 2026-09-16.

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