Question 1

Is HDFC Freedom Credit Card worth the ₹500 annual fee?

Accepted Answer

HDFC Freedom Credit Card has an annual fee of ₹500. The fee can be waived if you spend ₹50k/year. With a base reward rate of 0.1% (up to 5%),  and a CardTrail Score of 6.4/10, it may suit specific spending patterns.

Question 2

What is the reward rate on HDFC Freedom Credit Card?

Accepted Answer

HDFC Freedom Credit Card offers a base reward rate of 0.1% on regular spends, going up to 5% on select categories. Rewards are earned as CashPoints. New cardholders also get a welcome bonus of None.

Question 3

Does HDFC Freedom Credit Card have airport lounge access?

Accepted Answer

No, HDFC Freedom Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on HDFC Freedom Credit Card?

Accepted Answer

HDFC Freedom Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

HDFC Freedom Credit Card vs Fibe Axis Bank Credit Card — which is better?

Accepted Answer

HDFC Freedom Credit Card (CardTrail Score: 6.4/10) and Fibe Axis Bank Credit Card (Score: 8.9/10) are both entry level cards. HDFC Freedom Credit Card by HDFC has a ₹500 fee with 0.1% base rewards, while Fibe Axis Bank Credit Card by Axis has a no annual fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

HDFC Freedom Credit Card

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