HDFC Bank Freedom Credit Card — Rewards, Fees & Value
HDFC Bank · visa · entry
Best reward rate
5%
Annual fee
₹500
Type
Cashback
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Direct cashback.
Key benefits
- 5X CashPoints on dining, groceries, BigBasket, BookMyShow, Swiggy, OYO, Uber
- 1 CashPoint per ₹150 on other spends
- Annual fee waiver on ₹50,000 spend
- 1% fuel surcharge waiver
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the Freedom belongs in your stack.
FAQs
What is the reward rate on the Freedom credit card?
The HDFC Bank Freedom Credit Card earns up to 5% effective value on dining & food delivery and 5% on online shopping. Its base rate is about 1%.
What is the annual fee of the Freedom?
The Freedom has an annual fee of ₹500, waived on annual spends of ₹50,000 or more.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with HDFC Bank.