HDFC · Credit Card
HDFC Freedom Credit Card
Official product: HDFC Bank Freedom Credit Card
- Everyday rewards across popular spend categories
- Simple to redeem points
- Accelerated reward points on popular spend categories
Opens the partner’s official application pageDownload product PDF
Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹500 + taxes
- Annual / Renewal Fee
- ₹500 + taxes
- Annual Fee Waiver Condition
- Renewal fee waived on ₹50,000 annual spends.
- Interest Rate / Finance Charge
- 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
- Late Payment Charges
- As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 10X CashPoints on select partners; 1 Reward Point/₹200 on other eligible spends.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- 500 Reward Points on realization of joining fee.
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver on ₹400–₹5,000; max ₹250/statement cycle.
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Generally 18+; exact upper age / income is product and underwriting dependent.
- Employment Type
- Salaried / self-employed, subject to bank underwriting.
- Documents Required
- PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the HDFC Freedom credit card? ▾
Joining fee: ₹500 + taxes. Annual fee: ₹500 + taxes. Fee waiver: Renewal fee waived on ₹50,000 annual spends..
What rewards or cashback does the HDFC Freedom credit card offer? ▾
10X CashPoints on select partners; 1 Reward Point/₹200 on other eligible spends.
Who is eligible for the HDFC Freedom credit card? ▾
Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.