Review HDFC Bank Freedom Credit Card Features and Rewards
mainThe HDFC Bank Freedom Credit Card offers various reward structures and benefits:
Reward Points Structure:
- 10X CashPoints: On favourite merchants (Big Basket, BookMyshow, OYO, Swiggy & Uber). Maximum of 2,500 CashPoints per calendar month.
- 5X CashPoints: On EMI spends at merchant locations. Maximum of 2,500 CashPoints per calendar month.
- Standard Spends: 1 CashPoint for every ₹150 spent (excludes fuel, Wallet/Prepaid Card loads, or Voucher Purchases).
- Note: Rent payments and Govt Related transactions do not earn Reward Points. Grocery transaction reward points are capped at 1,000 per month.
Additional Benefits:
- Fuel Surcharge Waiver: 1% waiver on fuel transactions (Min: ₹400, Max: ₹5,000; Max waiver: ₹250 per statement cycle).
- Dining: Up to 20% discount on partner restaurants via Swiggy Dineout.
- Interest Rate: 0.99% for the first 90 days on non-EMI spends from the card issuance date (excludes Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer, or Cash transactions).
- Welcome Benefit: 500 CashPoints upon payment of the membership fee.
- Contactless Payments: Enabled for fast payments. In India, contactless mode is allowed up to ₹5,000 without a PIN; amounts ≥ ₹5,000 require a PIN.