Reward your daily digital lifestyle with UPI-powered convenience and accelerated CashPoints.
10X on popular brand purchases
Earn points on all spend
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 10X CashPoints on everyday lifestyle and utility spends made through popular brands such as BigBasket, BookMyShow, OYO, Swiggy, and Uber. |
| UPI Functionality | Link your card to leading UPI apps through the RuPay network and earn CashPoints even on low-value merchant transactions. |
| Affordable Fee Structure | Enjoy a nominal ₹500 annual fee, easily waived upon achieving annual spends of ₹50,000. |
| Dining Savings | Avail up to 20% savings at select restaurants across India through Swiggy Dineout dining privileges. |
| Fuel Benefit | Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, subject to monthly caps. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Entry-Level/Rewards/UPI Payments |
| Type of Card | RuPay Credit Card |
| Free or Paid | ₹500 Annually + Applicable Taxes |
The HDFC Bank Freedom RuPay Credit Card is suitable for beginners seeking rewarding everyday spending. With its low annual fee and easy waiver, it’s a practical choice for young professionals and first-time cardholders. The card shines in daily use offering accelerated rewards on BigBasket, Swiggy, Uber, and BookMyShow while also enabling UPI-linked payments via the RuPay network. This dual advantage lets users earn CashPoints even on small transactions. Perfect for those who value digital convenience, simple fee management, and steady cashback-style rewards on essentials.
Global Acceptance: While primarily operating on the domestic RuPay network for UPI transactions, the HDFC Bank Freedom RuPay Credit Card enjoys global acceptance, making it suitable for both international online purchases and overseas travel.
Zero Lost Card Liability: In case of loss or theft, promptly notifying HDFC Bank’s 24×7 customer care ensures zero liability for any unauthorised transactions made thereafter.
Revolving Credit Facility: Enjoy the flexibility of carrying forward unpaid balances at a competitive interest rate through the revolving credit facility. Cardholders should refer to the Schedule of Charges for applicable rates.
Contactless Payments: Experience secure and swift Tap & Pay transactions without PIN entry for purchases below ₹5,000. For transactions above this limit, PIN authorisation remains mandatory for added security.
Smart EMI Option: Convert high-value purchases into manageable monthly instalments with the Smart EMI feature, offering better control over big-ticket expenses.
Interest-Free Period: Avail an interest-free credit period of up to 50 days from the date of purchase, subject to full repayment of the outstanding amount by the due date.
10X CashPoints: Earn 10 CashPoints for every ₹150 spent on preferred merchants including BigBasket, BookMyShow, OYO, Swiggy, and Uber (non-EMI retail spends). Capped at 2,500 CashPoints per calendar month.
5X CashPoints: Earn 5 CashPoints per ₹150 spent on eligible EMI transactions at merchant outlets. Capped at 2,500 CashPoints per calendar month.
Standard Rewards: Earn 1 CashPoint for every ₹150 spent on all other eligible retail purchases.
UPI Transactions: For the RuPay variant, earn 1 CashPoint per ₹150 spent on eligible UPI payments. Capped at 500 CashPoints per calendar month.
Reward Exclusions: CashPoints are not earned on fuel, rent, government payments, wallet loads, prepaid card loads, vouchers, cash advances, or card fees and charges. Rewards on grocery spends are capped at 1,000 CashPoints per month.
Cashback Redemption: Convert CashPoints into statement credit. Minimum redemption value is ₹500 (equivalent to 3,334 CashPoints) at ₹0.15 per point.
SmartBuy Portal: Redeem CashPoints for flight and hotel bookings on the HDFC Bank SmartBuy portal. Redemption is restricted to 50% of the total booking value.
Vouchers and Products: Exchange CashPoints for lifestyle vouchers or merchandise. Redemption through points is limited to 70% of the total product value on select items.
Validity: Unredeemed CashPoints expire two years from the date of accrual.
Redemption Fee: A nominal fee of ₹99 is applicable per redemption request.
Welcome Bonus: Receive 500 CashPoints upon payment of the joining fee.
Renewal Bonus: Earn 500 CashPoints upon successful payment of the renewal fee.
Annual Fee Waiver: The renewal fee of ₹500 + applicable taxes is waived if annual retail spends reach or exceed ₹50,000 in the preceding card year.
1% Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations in India.
Applicable Range: Valid on transactions between ₹400 and ₹5,000.
Maximum Benefit: Capped at ₹250 per statement cycle.
Swiggy Dineout Offer: Enjoy up to 20% savings at over 2,000 premium restaurants across select cities via Swiggy Dineout.
Additional Discount: Avail an extra 10% discount using coupon code HDFCCARDS on a minimum bill of ₹2,000 (discount capped at ₹200 per transaction).
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹500 + GST | One-time charge when the card is issued. |
| Renewal Fee (annually) | ₹500 + GST | Charged every year. Waived on annual spends of ₹50,000 or more. |
| Add-on Card Fee | ₹0 | No charge for add-on cards. |
| Finance Charges | Up to 3.6% per month (43.2% annually) | Charged on outstanding balances and cash advances. |
| Cash Advance Fee | 2.5% of the amount (minimum ₹500) | Applicable on cash withdrawals. |
| Late Payment Fee | ₹100–₹1,300 | Based on total outstanding amount. |
| Foreign Currency Mark-up | 3.5% | On international transactions. |
| Fuel Surcharge Waiver | 1% | Valid on transactions between ₹400–₹5,000; capped at ₹250 per statement cycle. |
| Reward Points Validity | 2 years | Points expire if not redeemed within validity. |
| Criteria | Details |
|---|---|
Salaried Indian National | Age: 21 to 60 yearsIncome: Minimum net monthly income of ₹12,000 |
Self-Employed Indian National | Age: 21 to 65 years Income: Minimum annual Income Tax Return (ITR) of ₹6 lakh |
Other Criteria | Applicants should maintain a favourable credit score and clean repayment history to enhance approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, or any other Government-issued photo ID |
| Address Proof | Aadhaar Card, Passport, or recent Utility Bills (not older than three months) |
| Income Proof (Salaried) | Latest three months' salary slips, latest Form 16, and/or Income Tax Return (ITR) copy |
| Income Proof (Self-Employed) | Latest audited financial statements, proof of business continuity, and ITR copy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Bank Freedom RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Focus on 10X Spends | Use the card for transactions on BigBasket, Swiggy, Uber, OYO, and BookMyShow to maximise the 10X CashPoints benefit. |
Utilise UPI for Daily Needs | Link your RuPay card to a UPI app such as PayZapp to earn rewards on everyday low-value merchant payments, up to the 500 CashPoints monthly cap. |
Secure Fee Waiver | Maintain annual spends of ₹50,000 or more to qualify for the renewal fee waiver automatically. |
Redeem Wisely | Redeem CashPoints as cashback or for travel bookings via SmartBuy to get the best redemption value of ₹0.15 per point. Ensure points are used before their 2-year validity expires. |
Use Dining Benefits | Enjoy up to 20% savings at partner restaurants through Swiggy Dineout and enhance your dining experience. |
The HDFC Bank Freedom RuPay 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.