HDFC Freedom Credit Card 2025
10X Online Rewards
5X Offline Shopping
₹500 Amazon Voucher
₹500 Annual Fee
Save over ₹9,000+ every year with 10X online + 5X offline!
Best entry-level rewards card! HDFC Freedom gives 10X cash points on online spends, 5X on offline shopping, ₹500 Amazon voucher, just ₹500 fee.
Perfect for young professionals & beginners!
Why Choose HDFC Freedom in 2025?
10X online • 5X offline • ₹500 Amazon • 3.3% groceries • ₹500 fee
Best for: Online + offline shopping, beginners
Card At a Glance
Joining Fee
₹500
₹500
Annual Fee
₹500
₹500
Reward Rate
10X Online
10X Online
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Amazon Voucher
₹500
₹500
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Cash Points | 10X Online | 5X Offline |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge | 1% waiver up to ₹250/month |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X cash points = 5% value on Amazon, Flipkart, Swiggy, Zomato
- 5X cash points = 2.5% on offline departmental stores
- 3.33X cash points = 1.67% on groceries
- 1X on other spends
- 1 Cash Point = ₹0.50 on Amazon Pay
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹2 Lakh air accident cover
- ₹1 Lakh personal accident
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X online = 5% | No lounge access |
| 5X offline = 2.5% | 3.5% forex |
| ₹500 LOW fee | 3.6% interest |
| ₹500 Amazon voucher | Limited categories |
| Easy eligibility | Capped rewards |
| HDFC reliability |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit HDFC Freedom page → Apply
- Fill basic details → Instant approval
- Upload PAN & Aadhaar only
- Video KYC (1 minute)
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Best starter rewards card! 10X online + 5X offline + ₹500 fee = ₹9,000+ value. Perfect first premium card!
Frequently Asked Questions (FAQs)
10X = 5% return?
Yes! On Amazon, Flipkart, Swiggy etc.
5X offline shopping?
Yes! Departmental stores, supermarkets.
₹500 Amazon guaranteed?
Yes! On first transaction.
Easy approval?
Yes! ₹3L income + good score.
Fee waiver?
Yes! On ₹50K annual spends.