HDFC Freedom Credit Card


The HDFC Freedom Credit Card is packed with rewards and features for everyday spending. Earn 10X CashPoints on popular merchants like BigBasket, BookMyShow, Swiggy, Uber, and OYO, plus 1 CashPoint for every ₹150 spent (excluding EMI, fuel, wallet loads, and voucher purchases). Enjoy benefits like up to 20% discounts at partner restaurants via Swiggy Dineout, a 1% fuel surcharge waiver, and lounge access.

The card has an annual fee of ₹500, which is waived if you spend ₹50,000 or more in a year. Additionally, the card offers the flexibility to convert purchases into EMIs, making it even more convenient.


The HDFC Freedom Credit Card rewards you with 1 point for every ₹150 spent. Enjoy enhanced rewards with 25X points on your birthday, 5X points on movies, dining, groceries, railways, and taxi bookings, and 10X points for PayZapp and SmartBUY transactions. Additionally, receive 500 bonus points upon paying your renewal fee and another 500 as a welcome benefit.

Check Your Eligibility

Get Your Loan Eligibility Now!

Free Credit Score

Get Your Free Credit Score Here!

Table of Contents:

HDFC Freedom Credit Card Features

Let us look at the key features that make the HDFC Freedom Credit Card a valuable choice for your spending needs:

Feature Description
Reward Points Earn 10X CashPoints on select merchants (Big Basket, BookMyShow, OYO, Swiggy & Uber) up to 2,500 points per month.
Earn 1 CashPoint per ₹150 spent on other purchases.
Bonus Rewards Up to 20% discount on partner restaurants via Swiggy Dineout.
Welcome Benefits 500 CashPoints (applicable only on payment of membership fee).
Fuel Surcharge Waiver 1% waiver on fuel transactions:
  • Minimum transaction: ₹400
  • Maximum transaction: ₹5,000
  • Maximum waiver: ₹250 per statement cycle.
Contactless Payments Enabled for fast and secure contactless transactions.

Read More

Read Less

Get Zero Annual Fee Credit Cards in one click.

HDFC Freedom Credit Card Eligibility

Let us understand the requirements you need to meet to qualify for the HDFC Freedom Credit Card and enjoy the Freedom Credit Card benefits.

Eligibility For Salaried Individuals:

  • Age: Must be between 21 and 60 years.
  • Gross Monthly Income: Should be more than ₹12,000.

Eligibility For Self-Employed Individuals:

  • Age: Must be between 21 and 65 years.
  • Income Tax Returns: Should be greater than ₹2 lakh per annum.

General Eligibility Criteria:

  • The primary applicant can be a resident or non-resident of India.
  • Add-on cardholders must be at least 15 years old.

Documents Required for HDFC Bank Freedom Credit Card

To apply for the HDFC Bank Freedom Credit Card, it is essential to have the necessary documents ready to ensure a smooth application process and help the bank verify your eligibility efficiently:

  1. Identification Proof:
  2. Address Proof (any one of the following):
    • Aadhaar Card
    • PAN Card
    • Passport
    • Electricity Bill
  3. Income Proof (any one of the following):
  4. Other Documents:
    • Copy of Form 60 and PAN card.
    • Duly filled out the application form.
    • 2 passport-sized color photographs.

HDFC Freedom Credit Card Benefits

Let us look at the advantages and rewards that come with the HDFC Freedom credit card to enhance your financial experience:

Annual and Renewal Benefits

  • Spend ₹90,000 in a year and receive a gift voucher worth ₹1,000.
  • Spend ₹60,000 in a year to get the next year’s membership fee waived.

Fuel Benefits

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
  • Maximum waiver of ₹250 per statement cycle.

Reward Point Benefits

  • Welcome Benefit: Get 500 reward points after card activation.
  • Birthday Rewards: Earn 25X reward points on all your birthday spends.
  • Accelerated Rewards: Get 5X reward points on movies, groceries, dining, railway tickets, and taxi bookings.
  • Special Rewards: Earn 10X reward points on purchases made through PayZapp and SmartBUY
  • Renewal Bonus: Receive 500 reward points when you pay your renewal fee.

Not sure of your credit score? Check it out for free now!

Check Your Credit Score for Free

Also get a Free Credit Report

HDFC Freedom Credit Card Annual Fee & Charges

Let us learn about the various fees associated with the Freedom Card HDFC to make informed decisions:

Type of Charge Amount
HDFC Freedom Card Annual Fee ₹500
Interest-Free Period Up to 50 days
Minimum Repayment Amount 5% of the total amount or a minimum of ₹200
Charges on Revolving Credit 3.49% per month
Cash Advance Limit 40% of the credit limit

HDFC Freedom Credit Card Late Payment Charges

Outstanding Amount (₹) Late Payment Fee (₹)
Up to ₹100 Nil
₹101 to ₹500 ₹100
₹501 to ₹1,000 ₹500
₹1,001 to ₹5,000 ₹600
₹5,001 to ₹10,000 ₹750

Read More

Read Less

HDFC Freedom Credit Card Additional Fee & Charges

Applying for a Finzy personal loan is designed to be simple and user-friendly. With an entirely digital process, you can complete your loan application and receive disbursement in as little as 48 hours. Here are the steps to follow to apply for a Finzy loan:

Charge Type Amount
Additional Card Fee Free
Payment Return Charges 2% of the payment amount (minimum ₹450)
Rewards Redemption Fee ₹99 per redemption request
Charges on Over Limit Account 2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges 2.5% of the withdrawn amount or ₹500, whichever is higher

Read More

Read Less

Do you need an instant loan?

Steps to Apply For HDFC Freedom Credit Card

Follow these simple steps to successfully HDFC Freedom credit card apply and start enjoying its benefits:

Step 1: You can apply through the HDFC Bank website.

Step 2:You will find a section called PAY. Click on it.

image is shown to apply for HDFC Freedom Credit Card via HDFC Bank website in PAY section

Step 3:When you click on it a drop-down list will appear, go to the CARDS section.

visual shown of Apply for HDFC Freedom Credit Card in hdfc portal get to Dropdown with Cards section

Step 4:Then click on the Credit Cards.

image shows hdfc bank portal Apply for HDFC Freedom Credit Card, click on Credit Cards section

Step 5:Search for HDFC Freedom Credit Card.

image shown of hdfc card section in portal, Search for HDFC Freedom Credit Card and Click on 'Apply Online

Step 6:Click on “Apply online”.

Step 7:Fill out the form and submit it.

After submission, you will get a tracking ID, which you can use to check the HDFC Freedom credit card status of your application.

Check the best credit card offers for your needs!

Redeem HDFC Freedom Credit Card Rewards Offline

Step 1:Download the Rewards Redemption Form from the HDFC Bank website.

Step 2:Fill out the form with the required details.

Step 3:Send the completed form to the following address:

Rewards Helpdesk

HDFC Bank Cards Division

P.O. Box No. 8654

Thiruvanmiyur, P.O.

Chennai - 600041

Important Note:
After redeeming, you will receive a redemption order number. Make sure to note this number for future reference.

Credit Cards Similar to HDFC Freedom Card

Here are some credit cards that offer similar benefits and rewards to the HDFC Freedom Card :

Credit Card Name Annual Fee Rewards
HDFC MoneyBack+ Credit Card ₹500 + taxes 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
HSBC Smart Value Credit Card Nil 1 Reward Point per ₹100 spent, 3X points on online shopping, dining, and telecom.
Standard Chartered Platinum Rewards Credit Card Nil 5 points per ₹150 spent on dining & fuel, 1 point on other spends.
SBI SimplyClick Credit Card ₹499 + taxes (waived on spends of ₹1,00,000) 10X reward points on Amazon, BookMyShow, Lenskart, Apollo 24X7, Netmeds, Cleartrip & Eazydiner.

Get an instant loan in a few simple steps!

Frequently Asked Questions

Enjoy 5x reward points on groceries, dining, and movie spends, fuel surcharge waivers, and milestone benefits.

Apply via the HDFC Bank website, NetBanking, or visit your nearest HDFC branch.

The annual fee is ₹500 + GST, waived on annual spends of ₹50,000 or more.

Redeem points through the HDFC rewards portal for vouchers, gifts, travel bookings, or cashback.

The interest rate ranges from 3.49% to 3.99% per month, depending on usage and repayment behavior.

Yes, enjoy 500 reward points on the first transaction of ₹500 or more within 90 days of card activation.

Eligibility is based on your income, credit score, and age (minimum 21 years).

Activate via NetBanking, mobile banking, or by making your first transaction.

Yes, you can request an add-on card for family members aged 18 years or above.

The limit is determined based on your income, credit score, and bank’s discretion.

Block the card instantly via NetBanking, mobile banking, or by calling HDFC customer care.

Documents include identity proof, address proof, income proof (salary slips/ITR), and a passport-size photograph.

Display of trademarks, trade names, logos, and other subject matters of Intellectual Property displayed on this website belongs to their respective intellectual property owners & is not owned by Bvalue Services Pvt. Ltd. Display of such Intellectual Property and related product information does not imply Bvalue Services Pvt. Ltd company’s partnership with the owner of the Intellectual Property or proprietor of such products.

Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.

playstore Rated 4.5 on Google Play mobile 10M+ App Installs applicant 25M+ Applicants till date & growing man 150K+ Daily Active Users