American Express
Data verifiedAmerican Express SmartEarn
10x points on Amazon, Flipkart, Swiggy, Zomato and Uber at the lowest Amex fee.
10x on select partners
Annual fee
₹495 + GST
HDFC Bank · Visa
HDFC Freedom Card
A basic rewards card aimed at first-time cardholders with a low, waivable fee.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹500 + GST, renewal ₹500 + GST.
- Annual fee waives once you spend ₹50,000 in a card year.
- Headline earn rate: 10x CashPoints.
- No complimentary airport lounge access on this card.
Also worth comparing for first card with rewards
IDFC FIRST Bank
Data verifiedIDFC FIRST SWYP
Built around converting spend into EMIs, with monthly vouchers instead of points.
EMI-first, benefit vouchers
Annual fee
₹499 + GST
HDFC Bank
ReviewedHDFC Bank Infinia
India's benchmark super-premium card, with unlimited lounge access and strong SmartBuy redemptions.
5 pts per ₹150Lounge access
Annual fee
₹12,500 + GST
Ready to apply for the HDFC Freedom Card?
Takes under a minute. We hand you off to HDFC Bank's official secure application — no middlemen, no data resold.