What is the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card is a versatile Credit Card offering for your everyday spends. It combines convenience, flexibility, and exclusive rewards. From a 1% fuel surcharge waiver to renewal benefits, this card is designed to enhance your lifestyle.

How does the HDFC Bank Freedom Credit Card work?

You can use the HDFC Bank Freedom Credit Card seamlessly. for various transactions, earning CashPoints on specific merchants and enjoying a lower interest rate for the first 90 days. The card works at a vast network of establishments, and you can convert significant purchases into easy EMIs. Leverage this Credit Card for your everyday spends and enjoy special rewards!

Where is the HDFC Bank Freedom Credit Card accepted?

The HDFC Bank Freedom Credit Card is widely accepted at merchant locations, both online and offline. From your favourite grocery store to top-rated restaurants, the card ensures hassle-free transactions. Experience the convenience of cashless payments and avail of exclusive discounts at partner restaurants, via Swiggy Dineout.

Can I withdraw cash from HDFC Bank Freedom Credit Card?

Yes, you can withdraw cash from using the HDFC Bank Freedom Credit Card. Enjoy the flexibility of accessing cash when needed, subject to certain limits at set interest rates.

How secure is the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card ensures robust security measures to safeguard your transactions. With advanced encryption technology, your financial data is protected against unauthorised access. Additionally, our zero lost card liability feature guarantees that you won't be held responsible for any fraudulent transactions when reported promptly to our 24-hour call centre.

How to Apply for the HDFC Bank Freedom Credit Card?

You can apply for the HDFC Bank Freedom Credit Card online by checking eligibility on the official website. You can submit the required documents, online or by visiting your nearest branch. Upon approval, get your new HDFC Bank Freedom Credit Card delivered to your home address.

What are the documents required to apply for a HDFC Bank Freedom Credit Card?

To apply for the HDFC Bank Freedom Credit Card, you need the following documents: Identity Proof - Passport, Aadhaar Card, Voter ID, Driving licence, PAN card, Passport size photos. Address Proof - Utility bills (electricity, water, gas, or telephone), Rental agreement, Passport, Aadhaar card, Voter ID. Income Proof - Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements

Credit Cards

RewardsEntryVisa

HDFC Freedom Credit Card

Everyday rewards without premium frills

Annual fee₹500Waived on ₹0.5L spend

Rewards150.00%1.5 CashPoint per ₹1

Forex markup3.5%3.5% on all foreign currency transactions

Apply Now Check Eligibility →

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Welcome benefits

500 Reward Points on fee realisation

Type: Reward Points
Trigger: Fee Payment

Rewards

Base earn rate

1 Reward Point for every ₹150 spent

CashPoints

Redemption value

product_catalogue: ₹0.15/ptflights_hotels: ₹0.15/ptcashback: ₹0.15/ptairmiles: ₹0.15/pt

• Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
• Redemption fee: ₹99

Milestone benefits

Renewal membership fee waived off by spending ₹50,000 and above in an annual year

Fees & charges

Joining fee: ₹500/- + Applicable Taxes
Annual / renewal fee: ₹500/- + Applicable Taxes
Annual fee waiver: Renewal membership fee waived off by spending ₹50,000 and above in an annual year
Interest rate: Infinia, Infinia (Metal Edition), Diners Black Metal Edition, Diners Black, BizBlack Metal Card: 1.99% per month (23.88% p.a.). All other variants: 3.75% per month (45.0% p.a.). w.e.f 1st August 2024.
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

View official MITC →

Eligibility

Income (salaried): Salaried: Net Monthly Income> ₹12,000. Self-Employed: ITR > ₹6.0 Lakhs per annum
Income (self-employed): ₹6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

passport
aadhaar_card
voter_id
driving_licence
pan_card
passport_size_photos
utility_bills
rental_agreement
salary_slips
itr
form_16
bank_statements

Features

✓ Contactless✓ Chip & PIN

Additional features

PayZapp integration
Swipe to Pay without OTP
Card activation and PIN setup via MyCards
Unified platform for cards, FASTag, and loans
Transaction tracking and e-statements

Card management via MyCards.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Select merchants 10x — 1% back

0% of spend100% of spend

Emi merchant 5x — 0.5% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.1% base rate.

Rewards / year

₹2,040

≈ 0.34% effective

Annual fee

₹500

no published waiver

Net steady-state return

+₹1,540/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹1,540 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹500

One-time welcome benefit — xcheck hint says '500 Reward Points on fee realisation'; could not confirm first-hand from a readable issuer page (product/fees pages returned JS nav shell; T&C PDF returned HTTP 403). Left null.

Based on published rates as of 2026-08-07; assumes 1 CashPoint = ₹0.15 when redeemed against the statement balance (issuer-stated primary redemption path). Rewards estimates, not guarantees.