HDFC Bank Business Freedom Credit Card
Empower your business with rewards on every essential spend.
Annual Fee
₹500
Base Rewards
0.1%
Forex Fee
3.5%
Expert Verdict
The HDFC Business Freedom Card is a basic entry-level business card. While it offers decent 5X rewards on specific categories, its overall value is hampered by a low point valuation and lack of lifestyle features. It is best used as a starter card to build business credit history.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹175
Includes ₹75 bonus
Year 2+
+₹100
Fee waiver eligible!
Why get this card
Accelerated 5X rewards on business essentials like taxis, railways, and dining
Low annual fee of ₹500 with a very achievable waiver at ₹50,000 annual spend
Comprehensive business insurance including ₹50 Lakhs Accidental Death Cover
Watch out for
Very low base reward rate of 0.1% (1 CP per ₹150)
No airport lounge access or travel-specific perks
CashPoints have a low redemption value of ₹0.15 for statement credit
Who is this card for?
Best for
small business owner
Ideal for micro-entrepreneurs and small business owners looking for a low-cost card to manage daily operational expenses.
Min: ₹5,000/mo
Skip if you're
frequent traveler
Not suitable for those who travel often as it lacks lounge access and has high forex markup fees.
Base Earning
1 CashPoints
per ₹150 spent
0.1%
effective rate
Point value: ₹0.15/point
Bonus Categories
DINING/ENTERTAINMENT/GROCER...
5×
0.5% return
2500 pts/month
SmartBuy - SHOPPING
10×
1% return
1500 pts/month
Welcome Offer
Welcome points are credited upon payment of the joining fee.
500
points
₹75
value
within 30 days
Milestones
Spend ₹0.9L
Get a gift voucher worth ₹1,000 on annual spends of ₹90,000 or more.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions