{
  "id": "hdfc-freedom",
  "locale": "hi",
  "name": "HDFC Bank Freedom Credit Card",
  "bank": "HDFC Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "Swiggy, Uber, BigBasket, BookMyShow पर 10X CashPoints · ₹90k पर ₹1,000 वाउचर",
  "bestFor": "पहली बार क्रेडिट कार्ड लेने वाले, ग्रॉसरी डिलीवरी, फूड ऑर्डर और मूवी टिकट्स",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/freedom-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.66,
  "affiliateId": "hdfc-freedom",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Freedom Credit Card schedule of charges",
    "HDFC Bank — 10X merchant partners and CashPoint redemption terms"
  ],
  "feeWaiver": "₹50,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "पार्टनर ब्रांड्स",
      "value": "10X कैशपॉइंट्स (स्विगी, उबर, BB)"
    },
    {
      "key": "मर्चेंट ईएमआई",
      "value": "5X कैशपॉइंट्स"
    },
    {
      "key": "वार्षिक माइलस्टोन",
      "value": "₹1,000 ब्रांड वाउचर"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹50,000 सालाना खर्च"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST"
    },
    {
      "key": "आय पात्रता",
      "value": "₹12,000 / माह वेतन"
    }
  ],
  "earnRates": [
    {
      "category": "10X पार्टनर्स (Swiggy, BigBasket, Uber, BookMyShow, OYO)",
      "rate": "6.6% तक (10 CP / ₹150)",
      "monthlyCap": "2,500 कैशपॉइंट्स / माह",
      "perLakhSpent": "6,666 CP (₹1,000 स्टेटमेंट कैश)"
    },
    {
      "category": "मर्चेंट ईएमआई खर्च",
      "rate": "3.3% (5 CP / ₹150)",
      "monthlyCap": "2,500 कैशपॉइंट्स / माह",
      "perLakhSpent": "3,333 CP (₹500 स्टेटमेंट कैश)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.66% (1 CP / ₹150)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "666 CP (₹100 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 CP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "10X पार्टनर मर्चेंट्स",
      "multiplier": "10×",
      "rate": "6.6%",
      "monthlyCap": "2,500 कैशपॉइंट्स / माह",
      "dailyCap": "—",
      "note": "प्रति ₹150 पर 10 कैशपॉइंट्स।"
    },
    {
      "channel": "वार्षिक खर्च माइलस्टोन (₹90,000)",
      "multiplier": "Milestone",
      "rate": "₹1,000 वाउचर",
      "monthlyCap": "वार्षिक माइलस्टोन",
      "dailyCap": "—",
      "note": "₹90k खर्च पर ₹1,000 ब्रांड वाउचर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट बिल क्रेडिट (कैशबैक)",
      "value": "₹0.15 / CashPoint",
      "minPoints": "2,500 CP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "स्मार्टबाय फ्लाइट व होटल बुकिंग",
      "value": "₹0.30 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "बुकिंग का 50% तक",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "प्रोडक्ट कैटलॉग और वाउचर्स",
      "value": "₹0.15 / CashPoint",
      "minPoints": "1,000 CP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST (500 कैशपॉइंट्स स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹50,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹12,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}