The HDFC Freedom Visa has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 1 CashPoints Per ₹200 on Other Spends and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 1 CashPoints Per ₹200 on Other Spends |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank Freedom Credit Card Visa
Is the HDFC Bank Freedom Credit Card Visa worth it in 2026?
The HDFC Bank Freedom Credit Card Visa offers strong rewards with 10X CashPoints on OYO, Swiggy, Uber, and BigBasket. With a joining and renewal fee of Rs. 500 each, it becomes worth it if you spend Rs. 50,000 annually to waive the renewal fee.
Who should get the HDFC Bank Freedom Credit Card Visa?
This card is ideal for users who frequently spend on OYO, Swiggy, Uber, and BigBasket, as it offers 10X CashPoints on these platforms. It suits those who can spend at least Rs. 50,000 yearly to avoid renewal fees and maximize rewards.
How to maximise rewards on the HDFC Bank Freedom Credit Card Visa?
To maximize rewards, focus your spending on OYO, Swiggy, Uber, and BigBasket to earn 10X CashPoints. Additionally, ensure your annual spend crosses Rs. 50,000 to get the renewal fee waived, increasing your net benefits.
What purchases give the best value on the HDFC Bank Freedom Credit Card Visa?
Purchases on OYO, Swiggy, Uber, and BigBasket offer the best value with 10X CashPoints. Other spends earn 1 CashPoint per Rs. 200, making these specific categories the most rewarding.