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HDFC · entry tier
HDFC Freedom Credit Card
Students and first-timers wanting a free card
Joining fee
FREE
Annual fee
FREE
Base rate
0.5%
Expert rating
6.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹3,000
Fees-₹0
Net annual value+₹3,000
Value breakdown
Base rate (0.5%)+₹3,000
— Highlights
- Lifetime free
- 10X on EMI purchases
— Reward rates
Earn by category
emi
10X
10X on EMI transactions
dining-movies
5X