HDFC Bank · Entry
HDFC Freedom
Where it ranks across all 187 cards
#97 Cabs & transit
0.8%
at Uber
direct
#117 Food delivery
0.8%
at Swiggy
direct
#117 Movies & events
0.8%
at BookMyShow
direct
#119 Groceries
0.8%
at BigBasket
direct
#100 Education
0.1%
direct
#102 Insurance
0.1%
direct
#117 Utility bills
0.1%
direct
#137 Jewellery & watches
0.1%
direct
#141 Gaming
0.1%
direct
#153 Mobile / broadband
0.1%
direct
#170 Train tickets
0.1%
direct
#181 Dining out
0.1%
direct
#181 Flights
0.1%
direct
#181 Hotels
0.1%
direct
#181 Electronics
0.1%
direct
#181 Health & pharmacy
0.1%
direct
#181 Other
0.1%
direct
#183 Online shopping
0.1%
direct
#183 Fashion
0.1%
direct
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Points valued at ₹0.15/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.07%base rate
1 pt / ₹200
source
Source: HDFC Freedom Credit Card - hdfc.bank.in - read 25 Sep 2026
10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber
0.75%this rule
10 pts / ₹200
source
Source: HDFC Freedom Credit Card T&C (bank PDF, dated 15 May 2026) - hdfc.bank.in - read 25 Sep 2026
Base rate, but capped2
Telecom and cable at the base rate, capped
base rate
source
Source: HDFC Freedom T&C - hdfc.bank.in - read 26 Sep 2026
Utilities at the base rate, capped
base rate
source
Source: HDFC Freedom T&C - hdfc.bank.in - read 26 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, EMI, Rent, Government / tax, Wallet load
earns nothing
No CashPoints on fuel, EMI, rent payments, government-related transactions or wallet/gift/prepaid card loads and voucher purchases.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI, Rent, Government / tax, Wallet load
Source: HDFC Freedom Credit Card T&C (bank PDF, dated 15 May 2026) - hdfc.bank.in - read 25 Sep 2026