
HDFC BankVisaFreedom Credit Card
3.6NeoFinQ editorial rating
Simple entry-level card for credit building
- Low entry barrier
- Easy fee waiver
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- points
- Best for
- Points
- Est. rewards
- ₹18,000/yr
Our verdict
Basic entry card for building credit history.
Perfect for
- First-time credit card users
Not ideal for
- Reward maximizers
Pros & cons
- Low entry barrier
- Easy fee waiver
- Limited rewards
Rewards
1 CashPoint per ₹150 spent. 10X CashPoints on BigBasket, Apollo 24x7, BookMyShow, Swiggy and Uber. 5X CashPoints on EMI spends at select merchants. 1 CashPoint = ₹0.15 for redemption against statement balance.
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | Waived on ₹50,000 annual spend |
| Waiver threshold | Spend ₹50,000/yr |
Eligibility
Min. income (annual)
₹1.8L
Employment
Salaried / Self Employed
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Find My Best CardFreedom Credit Card
Annual fee ₹500