HDFC BANK · CHECKED 22 OCT 2026
HDFC Bank Freedom Credit Card
Best on BigBasket, BookMyShow, Swiggy and Uber: 0.75% back.
₹500 a yearFee waived at ₹50,000 spendPaid as CashPoints
Where it earns the most
BigBasket0.75%orders of ₹200+ · up to ₹150 a month#36 of 50 cards
BookMyShow0.75%orders of ₹200+ · up to ₹375 a month#35 of 50 cards
Swiggy0.75%orders of ₹200+ · up to ₹375 a month#40 of 50 cards
Uber0.75%orders of ₹200+ · up to ₹375 a month#31 of 50 cards
Airtel Thanks0.07%orders of ₹200+ · up to ₹300 a month#32 of 50 cards
AJIO0.07%orders of ₹200+ · up to ₹2,250 a month#50 of 50 cardsEverywhere else
- 0.07% back
Amazon
Apollo 24|7
Blinkit
Cleartrip
District
Domino's
Flipkart
Goibibo
ixigo
JioMart
MakeMyTrip
Meesho
Myntra
Nykaa
PVR INOX
Reliance Digital
Swiggy Instamart
Tata CLiQ
Tata Neu
Zepto
Zomato - Nothing back
IRCTC Rail Connect
Where another card earns more
- Airtel ThanksAirtel Axis earns more here25%vs 0.07%
- AJIOHSBC Live+ earns more here10%vs 0.07%
- BlinkitAirtel Axis earns more here10%vs 0.07%
- DistrictAirtel Axis earns more here10%vs 0.07%
- Domino'sHSBC Live+ earns more here10%vs 0.07%
All the details: fees, points and limits in every app
- Bank
- HDFC Bank
- Network
- Visa, Mastercard, RuPay
- Open to new applications?
- Yes
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- Renewal fee waived for the next year after ₹50,000 of spend in a year.
- Rewards paid as
- CashPoints
- One point is worth
- ₹0.15
- How the points are used
- Statement credit at ₹0.15 per CashPoint (from 3,334 CashPoints, ₹50 fee); points last 2 years
- Checked on
- 22 Oct 2026
Official page: HDFC Bank
| App | Reward | Min. order | Limit | Rank of 50 |
|---|---|---|---|---|
| BigBasket | 0.75% as CashPoints | ₹200+ | Up to ₹150 per calendar month (one limit shared with the card's other apps at this rate) | #36 |
| BookMyShow | 0.75% as CashPoints | ₹200+ | Up to ₹375 per calendar month (one limit shared with the card's other apps at this rate) | #35 |
| Swiggy | 0.75% as CashPoints | ₹200+ | Up to ₹375 per calendar month (one limit shared with the card's other apps at this rate) | #40 |
| Uber | 0.75% as CashPoints | ₹200+ | Up to ₹375 per calendar month (one limit shared with the card's other apps at this rate) | #31 |
| Airtel Thanks | 0.07% as CashPoints | ₹200+ | Up to ₹300 per calendar month | #32 |
| AJIO | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #50 |
| Amazon | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #50 |
| Apollo 24|7 | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| Blinkit | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| Cleartrip | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| District | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #47 |
| Domino's | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #47 |
| Flipkart | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #50 |
| Goibibo | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| ixigo | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
| JioMart | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| MakeMyTrip | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| Meesho | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| Myntra | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #50 |
| Nykaa | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| PVR INOX | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| Reliance Digital | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| Swiggy Instamart | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| Tata CLiQ | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| Tata Neu | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| Zepto | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #48 |
| Zomato | 0.07% as CashPoints | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #49 |
| IRCTC Rail Connect | Fee is more than the reward | ₹200+ | Up to ₹2,250 per statement cycle (one limit shared with the card's other apps at this rate) | #45 |
Questions people ask
Where does HDFC Freedom earn the most?
HDFC Bank Freedom Credit Card earns its highest rewards on BigBasket (0.75% as CashPoints), BookMyShow (0.75% as CashPoints) and Swiggy (0.75% as CashPoints).
What is the annual fee of HDFC Freedom, and can it be waived?
HDFC Freedom has a joining fee of ₹500 and an annual fee of ₹500. Renewal fee waived for the next year after ₹50,000 of spend in a year.
How much is one HDFC Freedom point worth?
About ₹0.15 each when used as the bank shows first: Statement credit at ₹0.15 per CashPoint (from 3,334 CashPoints, ₹50 fee); points last 2 years.
Is HDFC Freedom still available?
Yes, the bank still issues it to new customers.
Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.