What is the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card is an entry-level card designed for first-time users, offering rewards on everyday spends.

What are the joining and renewal fees for the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card has a joining fee and an annual renewal fee of ₹500 + taxes each.

How can I get the annual fee waived for my HDFC Bank Freedom Credit Card?

The annual renewal fee for the HDFC Bank Freedom Credit Card is waived if you spend ₹50,000 or more in an annual year.

How do I earn CashPoints with the HDFC Bank Freedom Credit Card?

Earn 10X CashPoints on select merchants like Swiggy & Big Basket, and 1 CashPoint per ₹150 on other spends with your HDFC Bank Freedom Credit Card.

What are the dining benefits of the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card offers up to 20% savings and ₹200 off twice monthly on Swiggy Dineout.

Can I get lounge access with the HDFC Bank Freedom Credit Card?

No, the HDFC Bank Freedom Credit Card does not offer complimentary domestic or international airport lounge access.

How can I redeem CashPoints earned on the HDFC Bank Freedom Credit Card?

CashPoints from your HDFC Bank Freedom Credit Card can be redeemed against statement balance, travel, products, or vouchers via SmartBuy.

Do CashPoints on the HDFC Bank Freedom Credit Card expire?

Yes, CashPoints earned on the HDFC Bank Freedom Credit Card are valid for 2 years from the date of the transaction.

What is the foreign currency markup for the HDFC Bank Freedom Credit Card?

The foreign currency markup on the HDFC Bank Freedom Credit Card is 3.5% on the conversion amount, plus applicable taxes.

Is the HDFC Bank Freedom Credit Card suitable for new credit users?

Yes, the HDFC Bank Freedom Credit Card is an ideal choice for first-time cardholders due to its accessible eligibility and reasonable rewards.

HDFC Bank

HDFC Bank Freedom Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

500 CashPoints upon joining fee payment; 500 bonus CashPoints annually on renewal.

Rewards Rate

10X CashPoints on select merchants (Big Basket, Swiggy, Uber, etc.); 1 CashPoint per ₹150 on other spends.

Reward Type

Reward Points

Reward Redemption

CashPoints redeemable against statement balance (1 CP = ₹0.15), travel, products, or vouchers via SmartBuy.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

10X CashPoints on BookMyShow spends, up to 2,500 points/month in accelerated categories.

Dining

Up to 20% savings on Swiggy Dineout + ₹200 off twice monthly; 10X CashPoints on Swiggy spends.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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