Enjoy flexible rewards and savings on your everyday spending.
Up to 10X Reward Points on select partner brands
Annual fee waived on ₹50,000 spends
Up to 50 days interest-free
Enter your details to get started
| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn up to 10X Reward Points on select partner brands like BookMyShow, Amazon, Flipkart, and more. |
| Everyday Savings | Get reward points on all retail transactions including online and offline spends. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on eligible transactions across India. |
| Affordable Annual Fee | Low annual fee with waiver option on achieving spending milestone. |
| Interest-Free Period | Enjoy up to 50 days of interest-free credit on purchases. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Lifestyle |
| Type of Card | Entry-level Credit Card |
| Free or Paid | Rs. 500 + GST Annually (waived on Rs. 50,000 spends) |
The HDFC Bank Freedom Credit Card is suitable for individuals looking for an entry-level rewards credit card with benefits on everyday spending. It is ideal for users who frequently shop online, book entertainment tickets, or make routine purchases and want to earn reward points without paying a high annual fee.
Accelerated Reward Programme: The card offers up to 10X reward points on partner brands such as Amazon, Flipkart, BookMyShow, and select merchants, helping users maximise returns on online spending.
Balanced Everyday Benefits: Users earn reward points on both online and offline transactions, making it suitable for daily expenses like shopping, dining, and bill payments.
Fuel Savings: A 1% fuel surcharge waiver helps reduce additional costs on fuel transactions across petrol pumps.
Cost-Effective Fee Structure: The annual fee is reasonable and can be waived upon reaching ₹50,000 annual spend, making it accessible for regular users.
Interest-Free Credit Period: The card offers up to 50 days of interest-free period, supporting short-term financial flexibility.
Wide Acceptance: Accepted across merchants in India and internationally, the card provides flexibility for various spending needs.
10X Reward Points on Partner Brands
Earn 10X reward points on spends at select partner merchants like Amazon, Flipkart, BookMyShow, and others.
Applicable on online transactions through partner platforms.
Monthly caps may apply as per terms.
2X Reward Points on Online Spends
Earn 2X reward points on all other online transactions.
Helps maximise returns on e-commerce and digital payments.
1X Reward Points on Other Spends
Earn 1X reward point on all other retail purchases.
Excludes fuel, rent, EMI, wallet loads, and government transactions.
SmartBuy Rewards Portal
Redeem reward points for flights, hotels, vouchers, and products via SmartBuy.
Flexible redemption options based on user preference.
Statement Redemption
Convert reward points into statement credit as per redemption value defined by the bank.
Activation Offer
Get welcome benefits such as reward points or vouchers on completing the first transaction within a specified time.
Up to 50 Days
Enjoy up to 50 days of interest-free credit on purchases.
Fuel Surcharge Waiver
Get 1% waiver on fuel transactions within specified limits.
Exclusions for Reward Points
Reward points are not applicable on:
Fuel transactions
Rent payments
Wallet loads
EMI transactions
Insurance payments
Government-related payments
Cash advances
Card fees and charges
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 500 + GST | One-time fee at card issuance. |
| Annual Fee | Rs. 500 + GST | Waived on Rs. 50,000 annual spends. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | On outstanding balances. |
| Foreign Currency Markup | 3.5% + GST | On international transactions. |
| Cash Advance Fee | 2.5% or Rs. 500 (whichever is higher) | On cash withdrawals. |
| Cash Advance Limit | Up to 40% of card limit | Withdrawal limit. |
| Overlimit Penalty | 2.5% (minimum Rs. 550) | On exceeding credit limit. |
| Payment Return Charges | 2% (minimum Rs. 450) | On failed payments. |
| Criteria | Details |
|---|---|
Age | 21 to 65 years |
Citizenship | Resident of India |
Credit Score | 750+ recommended |
Income | Stable income source required |
| Document Type | Details |
|---|---|
| Identity Proof | Aadhaar, PAN, Passport, DL, Voter ID |
| Address Proof | Aadhaar, Passport, Utility Bill |
| Income Proof | Payslip / Bank Statement / ITR |
| PAN Card | Mandatory |
Step 1: Click on "Apply Now" on HDFC Bank website.
Step 2: Fill in personal and financial details.
Step 3: Upload required documents.
Step 4: Submit application.
Step 5: Card is delivered after approval.
| Usage Tips | Details |
|---|---|
Maximise Partner Spends | Use card on partner brands to earn 10X points. |
Use for Online Shopping | Earn higher rewards on digital transactions. |
Pay Bills on Time | Avoid interest charges. |
Track Reward Points | Monitor and redeem efficiently. |
Avoid Cash Withdrawals | High charges apply. |
The Freedom Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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