RewardsEntryVisa

HDFC Freedom Credit Card

Everyday rewards without premium frills

Annual fee₹500Waived on ₹0.5L spend

Rewards0.10%Assumes 1 CashPoint = ₹0.15 when redeemed against the statement balance (issuer-stated primary redemption path)

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

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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
₹0 – ₹100	₹0
₹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
Above ₹50,001	₹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

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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.