○ Data not yet verified
)))

•••• •••• •••• ••••

HDFC Bank

HDFC Freedom

VisaEntryPoints
Apply Now
Report data issue →

Annual Fee

₹500

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹50,000)
Min Monthly Income₹15,000

Rewards

Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point

Category Multipliers

dining5%(cap ₹750)

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

RBL Fun+ (94%) →SBI Card Unnati (93%) →Union Bank RuPay Platinum Credit Card (93%) →ICICI Platinum Chip (88%) →Yes Prosperity Edge (88%) →

💡 Fee Waiver Strategy

Spend ₹50K/year to waive ₹500 fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 0.5%, you need to spend ₹1,00,000 annually.

🎯 Pro Tips

  • ▸5X reward points on dining — use for all restaurant bills
  • ▸Fuel surcharge waiver up to ₹400/month

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹4,375

Effective Rate

0.4%

Ranked #113 of 173 cards#113

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

diningfirst-card