Freedom

Rewards

• 1 Reward Point per ₹200 on other eligible spends
• 10X on BigBasket, BookMyShow, OYO, Swiggy and Uber

Reward cap

15,000 reward points per statement cycle

Lounge access

Included

Does not earn on

Wallet, rent, government.

Annual fee

₹500

Joining fee

₹500

Fee waiver

Spend ₹50,000 in a year

Foreign purchases

3.5% markup on international spends

Eligibility

Salaried · Income ₹12,000/month

Repayment

Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

Differences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.

1. Reward rates

   Changed
   general 10X CashPoints; general 10X Reward Points; other spends 2 Reward Points for every ₹200 spent; Swiggy, Oyo, Uber, etc. 10X CashPoints; BookMyshow, Swiggy, Uber and more 10X CashPoints1 Reward Point per ₹200 on other eligible spends; 10X on BigBasket, BookMyShow, OYO, Swiggy and Uber.

   Reward rates changed from general 10X CashPoints; general 10X Reward Points; other spends 2 Reward Points for every ₹200 spent; Swiggy, Oyo, Uber, etc. 10X CashPoints; BookMyshow, Swiggy, Uber and more 10X CashPoints to 1 Reward Point per ₹200 on other eligible spends; 10X on BigBasket, BookMyShow, OYO, Swiggy and Uber.

   Verified 12 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page↗

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.