HDFC Bank
HDFC Bank Freedom Credit Card
₹500/yr annual fee · 10x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
10x
Min. income
₹1,44,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹1.44 lakh/yr · CIBIL 700+
Reward cap
No published cap
Welcome benefit
500 Reward Points on payment of joining membership fee — 500 RPs
Who is this for
- Online shopper
- Rewards optimiser
- First-time cardholder
What we like
- Accelerated partners
Watch out for
- 3.5% foreign-transaction markup
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | ₹500 + taxes; waived on spends of ₹50,000 in a year |
| Annual fee | ₹500 | Spend over ₹50,000 in a year before renewal to get the fee waived |
| Renewal fee | ₹0 | Waived on annual spends ≥ ₹50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹5,000 (max ₹250/cycle) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| SHOPPING | 10X Reward Points / CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends | — | 1 RP = ₹0.25 (statement credit) |
Benefits
-
Accelerated partners Highlight
10X Reward Points / CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends — 10x on partners
-
Fuel surcharge waiver
1% fuel surcharge waiver on fuel between ₹400 and ₹5,000; max ₹250 per statement cycle — 1% waiver
-
Welcome benefit
500 Reward Points on payment of joining membership fee — 500 RPs
Eligibility
- Age
- 21–60 years
- Min. income
- ₹1,44,000
- Min. credit score
- 700+
- Score note
- Entry-level HDFC applicant
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements
HDFC Bank Freedom Credit Card is a VISA credit card from HDFC Bank.
Fees and rewards
- Annual fee: ₹500 (waived on ₹50,000+ annual spend)
- Joining fee: ₹500
- Rewards: 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Step-by-step application guide: Read the HDFC Bank Freedom Credit Card apply walkthrough →
Apply for HDFC Bank Freedom Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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