HDFC Freedom Credit Card – Review, Details, Offers, Benefits


HDFC Bank Freedom Credit Card will get you some exclusive features and benefits around entertainment


  • Multiple reward points for spending on Movies, Dining, Groceries, Travel etc.
  • 1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 250 per statement cycle).
  • Get gift voucher worth Rs.1000 on annual spends of Rs.90,000 and above
  • 15% off on 3000+ restaurants
  • Other exclusive offers on HDFC Credit Cards

Reward Points Collection

  • 1 reward point for every Rs.150 spends (Upto maximum reward points of 1,500 per statement cycle )
  • Earn 5X reward points on Movies/Dining/Groceries/Railways & Taxis spends  (Upto maximum reward points of 1,500 per statement cycle)
  • Earn 10X reward points on PayZapp & SmartBUY spends (Upto maximum reward points of 1,500 per statement cycle)
  • Earn 25X reward points on your Birthday spends (( Upto maximum reward points of 3000)
  • 10X reward points on HDFC SmartBuy Site

Exceptions:  EasyEMI and e-wallet loading transactions will not accrue Reward points.Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.  Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

Reward Points Redemption

  • Redeem Reward Points as CashBack against outstanding amount on your Credit Card (100 Reward Points = Rs. 10)
  • Reward Points against air miles of Jet Airways (Jet Privilege Miles) and Singapore Airlines (KrisFlyer Miles).
  • Redeem points against the rewards catalogue  (approx 100 points =  Rs 15 )

Points Value / Cashback equivalent based on redemption

1 point = Rs 0.10

  • Approx. cashback of 0.07% on normal spending and  
  • Approx. cashback of 0.70% on specialised spending,
  • Approx. cashback of of 1.70% on B’day spending

Additional 1.11% in form of gift voucher if you hit the annual spending

Fees:   First year fee and Annual Fees – Rs 500

  • Welcome Benefit of 500 reward points on fee realization only
  • First year fee waived off if you spend Rs 10000 in first 90 days
  • Spend Rs 60,000 in a year and get a waiver of next year’s annual membership fee


  • Salaried:  Rs 12000 per month salary
  • Self Employed: Rs 2 lakh per annum


This card offers extra points for entertainment expenses and Rs 1000 gift voucher when spending hits Rs 90K in a year. 

In fact, I would rather go for HDFC Bank Regalia First Credit Card or HDFC Bank Diners Club Miles Credit Card

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