CardIQIndia
Corroborated — 3 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
28
#124 of 173 in credit
HDFC Bank

HDFC Freedom Credit Card

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Entry-level card giving out rewards mainly on grocery and lifestyle expenses.

Score breakdown

Data completeness: 60% · Last verified: 06 Jul 2026

Reward value9/100 · weight 65%
≈ 0.45% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Spend INR 50,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
groceriespoints2.50%(10 pts @ ₹0.25)₹1,500 / monthly10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber
all_spendspoints0.03%(0.11 pts @ ₹0.25)—1 CashPoint per Rs. 150 spent on other items