# HDFC Bank Freedom Credit Card Visa

**Best for:** Frequent grocery shoppers and food delivery users

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 10X CashPoints on Swiggy orders · 1 CashPoint per Rs.150 on groceries · Welcome benefit of 500 CashPoints

## Fees

- **Joining Fee:** Joining Fee of Rs. 500
- **Annual Fee:** Renewal Fee of Rs.500
- **Fee Waiver:** Spend Rs.50000 For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 10X CashPoints on BookMyShow
- **Welcome Benefit:** Welcome Benefit - 500 CashPoints

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