Last updated: |Data verified from official bank sources
Entry
HDFC Freedom
HDFC Bank
Best for: Entry-level card for app-based spending
₹500
Annual Fee
0.67%
Reward Rate
3.5%
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Entry-level card for app-based spending
Fees & Charges
Joining Fee₹500
Annual Fee₹500
Fee WaiverSpend ₹50K annually
Forex Markup3.5%
Rewards
TypePoints
Base Rate1 CashPoint/₹150
Effective Return0.67%
Accelerated Categories
BigBasket/BookMyShow/OYO/Swiggy/Uber10X (6.67%)cap: 2500 pts/month
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹1.4L/year
Welcome Benefits
Benefit500 CashPoints
Estimated Value₹75
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for HDFC Freedom?▼
HDFC Freedom has an annual fee of ₹500. Spend ₹50K annually
What rewards does HDFC Freedom offer?▼
HDFC Freedom offers 1 CashPoint/₹150 on all spends, with an effective value of 0.1%.
Does HDFC Freedom have lounge access?▼
HDFC Freedom does not include complimentary lounge access.
What is the minimum income required for HDFC Freedom?▼
The minimum income requirement for HDFC Freedom is ₹1.4 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
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