Card Details
Freedom Credit Card
Card Issuer
HDFC Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
10X
On select merchants (bigbasket, bookmyshow, oyo, swiggy, uber)
1 Rp / rs. 150
On other spends
10X
Cashpoints on oyo
10X
Cashpoints on swiggy
Benefits
10X Reward Points on select everyday merchants
- 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber
- 10X Reward Points on select merchants
1% fuel surcharge waiver with statement-cycle cap
- Entry-level card with relaxed eligibility criteria
- 1% fuel surcharge waiver
- 1% fuel surcharge waiver up to ₹250 per statement cycle
10% additional discount on Swiggy Dineout
Things to Keep in Mind
Card terms show a change notice effective 15th May 2026.
Fuel surcharge waiver applies only for ₹400 to ₹5,000 per transaction and is capped at ₹250 per statement cycle.
Swiggy Dineout discount is subject to T&C.
The official page's structured description mentions older 5X categories, while current visible benefits mention 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy and Uber.
1 CashPoint is valued at ₹0.15 for stated redemption options.
