Joining Fee:
₹500 +GST
Return Percentage:0.5% to 2%
Credit Card Overview
A popular lifestyle card offering cashback on dining, groceries, and movies, with milestone vouchers and redemption flexibility for everyday users.
Best Suited For: Cashback, Catalogue Products
HDFC
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 0.5% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Freedom credit card — Earn Categories
Where you earn more
- OyoTravel · Direct Hotels10 Cashpoints / ₹200
A Maximum of 2,500 CashPoints can be earned in a calendar month.|The maximum RPs that can be earned in a statement cycle is 15,000 Spends beyond the capping of 2,500 shall not be considered for CashPoints posting . · Minimum ₹200 per transaction
- BookMyShowEntertainment · Entertainment10 Cashpoints / ₹200
A Maximum of 2,500 CashPoints can be earned in a calendar month.|A maximum of 15,000 Reward Points can be earned per statement cycle.|Spends beyond the capping of 2,500 shall not be considered for CashPoints posting . · Minimum ₹200 per transaction
Everyday rate
- Base Rewards1 CashPoint / ₹200
Minimum ₹200 per transaction
7 more earning categories on this card
We track all 10 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- EMI
- Wallets
- Rent
- Education
- Government
- Jewellery
- Fuel
- F&B