HDFC Freedom Credit Card

Joining Fee: 500
Renewal Fee: 500
Best Suited For: Travel | Lifestyle
Reward Type: Reward Points
Welcome Benefites: Get a welcome as well as renewal benefits of 500 reward points on fee payment.

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New Features

Spend Based Waiver

Rs. 50,000 spent in the previous year

Interest Rates

3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 per redemption request (plus applicable taxes)

Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000

Foreign Currency Markup

3.5% on the conversion amount (plus applicable taxes)

Cash Advance Charges

2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Movie & Dining

Up to 20% off via Swiggy Dineout

Travel

N/A

International Lounge Access

Rewards Rate

Golf

N/A

Insurance Benefits

Reward Redemption

Domestic Lounge Access

Zero Liability Protection

Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.

Pros

Easy redemption of CashPoints against an array of categories. Up to 20% off on partner restaurants via Swiggy Dineout

Cons

CashPoints expire after 2 years and are not valid for life. This card does not offer benefits for entertainment or golf, nor does it provide access to domestic or international lounges.

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