HDFC • entry
HDFC Freedom Credit Card
Students and first-timers wanting a free card
Annual Fee
FREE
Joining Fee
FREE
Base Rate
0.5%
Our rating
6.5/10
Our rating is our own hand-set overall judgment of this card — not a computed score. How we set it →
HDFC
HDFC FREEDOM CREDIT CARD
entry
.. .. .. ..
VISA
Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.3,000
Annual fee-Rs.0
Net annual value+Rs.3,000
Value Breakdown
Base rate (0.5%)+Rs.3,000
Highlights
- Lifetime free
- 10X on BigBasket/BookMyShow/OYO/Swiggy/Uber
Reward Rates
Earn by category
online-partners
10X
10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CP/mo) [SOURCED 2026-08-26 hdfcbank.com freedom-card-new/fees-and-charges]
emi
5X
5X on EMI at merchant locations (max 2,500 CP/mo); base 1 CP/Rs.150 on other spends [SOURCED 2026-08-26 same page]
Loading intelligence...
Questions
Frequently asked questions
What is the annual fee of HDFC Freedom Credit Card?
HDFC Freedom Credit Card is a lifetime free card with zero annual fee.
What is the reward rate on HDFC Freedom Credit Card?
HDFC Freedom Credit Card earns a base rate of 0.5%. See the reward-rates section above for category accelerators.
How to apply for HDFC Freedom Credit Card?
Apply online through HDFC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.