HDFC Freedom Credit Card
HDFC · Entry · Visa/MC
Annual Fee
₹500
Fee Waiver
₹50K annual spend
Lounge Access
None
Best Rate
0.5%
Network
Visa/MC
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
1 reward point/₹150 (~0.5% effective) · Basic entry card · 250 welcome points
Key Benefits
Low ₹500 fee250 welcome reward pointsGood starter card
PROS
✅ Low annual fee
✅ Easy waiver at ₹50K spend
✅ Builds HDFC credit history
CONS
⚠️ Very basic card
⚠️ 0.5% reward rate
⚠️ No lounge or premium perks
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