Which card has a lower forex fee: HDFC Freedom Credit Card or HDFC Bank Platinum Times Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Freedom Credit Card or HDFC Bank Platinum Times Credit Card?

HDFC Freedom Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

HDFC Freedom Credit Card: Domestic lounge details not available. HDFC Bank Platinum Times Credit Card: Domestic lounge details not available.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Freedom vs HDFC Bank Platinum Times Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Freedom and the HDFC Bank Platinum Times. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Freedom HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

Platinum Times HDFC Bank

Annual fee ₹1,000 Waivable at ₹2,50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

Reward earning explained

Per card

Freedom

10 CashPoints / ₹100 on BigBasket (domestic) + 10 CashPoints / ₹100 on BookMySh…

Platinum Times

10 pts / ₹150 on Dining (Weekday dining spends earn 10 Reward Points per ₹150.)…

Pick based on what matters

1 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Freedom: ₹500 vs HDFC Bank Platinum Times: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (Not specified vs Not specified).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Confidence: Low (limited information available)

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Freedom: ~₹150/month at base rate
Platinum Times: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Freedom HDFC Bank	Platinum Times HDFC Bank
Lounge Access
Domestic lounge visits Missing for one or more cards	Not specified	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,000	₹500	₹1,000
Joining fee ₹500 vs ₹1,000	₹500	₹1,000
Fee waiver spend ₹50,000 vs ₹2,50,000	₹50,000	₹2,50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 3 pts/₹150	2 pts/₹100	3 pts/₹150
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Freedom	₹0.15	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.