HDFC Bank
Classic · Freedom
HDFC Bank Freedom Credit Card
HDFC Bank
10X rewards on your favourite everyday brands
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹5,410
Total Annual Benefits
₹6,000
Total Annual Charges
₹590
ROI
917%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
10X Rewards on Popular Brands
10X Reward Points on BigBasket, Swiggy, BookMyShow, Oyo, and Uber
- • Valid on BigBasket, Swiggy, BookMyShow, Oyo, Uber
10X RP
Reward Points (1)
CashPoints on All Spends
1 CashPoint per ₹150 spent on all other retail purchases
1 CP per ₹150
Cashback Benefits (1)
Weekend Dining Bonus
5X CashPoints on dining spends on weekends
- • Valid on weekends only
- • Dining category transactions
5X CP on weekends
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
HDFC CashPoints
10X on select brands, 1 CP per ₹150 other
Effective cashback: 0.23%
Points expire: 2 years from date of accrual
Redemption Options
- → Statement credit (1 CP = ₹0.35)
- → Products & Vouchers (1 CP = up to ₹0.35)
Bonus Categories
BigBasket
10x multiplier
10X CashPoints on BigBasket
Swiggy
10x multiplier
10X CashPoints on Swiggy
BookMyShow
10x multiplier
10X CashPoints on BookMyShow
Oyo
10x multiplier
10X CashPoints on Oyo
Uber
10x multiplier
10X CashPoints on Uber
Milestone Bonuses
1,000 CashPoints on spending ₹1.5 Lakh annually
Spend ₹1,50,000 annually
1,000 CashPoints
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST |
| Annual Fee | ₹500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility SmartBuy accelerated rewards Dining & entertainment privileges
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC Freedom Credit Card is a lifestyle credit card offering 10X Reward Points on popular brands including BigBasket, Swiggy, BookMyShow, Oyo, and...
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