HDFC Bank Freedom Credit Card
HDFC Bank · Visa
Why this card?
- 0.75% back in reward points on groceries at BigBasket; 0.07% on other spends
- ₹500 joining and annual fee; renewal fee waived on ₹50,000 yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 0.75% on groceries at bigbasket
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹12,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Freedom is an entry-level card with 10X reward points at BigBasket, BookMyShow, OYO, Swiggy and Uber, which still works out to only about 0.75% back; the base earn rate is thin for everyday spend (1 reward point per ₹200, about 0.075% back). At ₹500/year waived on ₹50,000 annual spend, it's effectively free for moderate users.
Pros
- 10X reward points at BigBasket, BookMyShow, OYO, Swiggy and Uber
- Fuel surcharge waiver
- Annual fee waived at ₹50,000 spend
Cons
- 1 reward point per ₹200 base earn is very low for everyday spend
- Rewards come as points, not direct cashback — requires a redemption step
- 3.5% forex markup