# HDFC Freedom

HDFC Bank · Visa. ₹500 fee · 3.5% forex · 1 CP/₹200 from 15 May 2026 (was 1 CP/₹150).

verified · checked 3 July 2026 · Source: https://www.paisabazaar.com/hdfc-bank/freedom-credit-card/

## How it earns (2)

- 1 CP/₹200 from 15 May 2026 (was 1 CP/₹150) · verified · checked 3 July 2026
- 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy, Uber (10 CP/₹200) · non-EMI only, cap 2,500 CP/calendar month · cap 2,500 points per month · ✓ official · checked 2 October 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No CashPoints on wallet, gift or prepaid card loads and voucher purchases, all tiers, even at 10X merchants
- No CashPoints: fuel, rent (+1% fee), wallet, govt · education via third-party apps earns 0, direct college earns base

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%
- Earns: HDFC CashPoints (Freedom) · ₹0.15 a point at baseline

## Dated changes (2)

- Devaluation · 15 May 2026: HDFC Freedom base earn cut to 1 CashPoint per ₹200 (https://getbrief.cards/changes#freedom-base-2026)
- Devaluation · 15 May 2026: HDFC MoneyBack+ and Freedom now earn per ₹200, not ₹150 (https://getbrief.cards/changes#hdfc-mbp-freedom-may26)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-freedom