HDFC Freedom Credit Card

HDFC Bank

4.2

Expert Rating

fuelgroceryrestaurantse-commerce

Annual Fee

₹500

Welcome Bonus

500 CashPoints

Forex Fee

2.5%

HDFC Freedom is a rewards credit card offering 10X CashPoints on top merchants plus all-round points, fuel surcharge waiver, and easy redemption.

Rewards Structure of HDFC Freedom Credit Card

top merchants

accelerated

BigBasket, BookMyShow, OYO, Swiggy, Uber

Reward Rate:10 points/₹150

Monthly Cap:2,500 pts/month

10X CashPoints on these merchants

other retail

base

all other retail spends except excluded categories

Reward Rate:1 point/₹150

Monthly Cap:max monthly cap 15,000 pts

Standard earn rate

Fees & Charges of HDFC Freedom Credit Card

Basic Fees

Joining Fee₹500

Annual Fee₹500

Forex Fee2.5%

Transaction Fees

Cash Advance2.5%

Late Payment₹750

Over Limit₹500

Other Charges

Returned Payment₹350

Cash Withdrawal3%

Fee Waiver Conditions

Fee waived if spend ≥ ₹50,000 in a year

Detailed Fee Structure of HDFC Freedom Credit Card

Fee Type	Amount	Frequency	Conditions
Annual Fee	500	yearly	Waived on ₹50,000 annual spend
Cash Advance Fee	2.5%	transaction	Minimum ₹500
Returned Payment Fee	350	transaction	N/A

Additional Features of HDFC Freedom Credit Card

Contactless Payments

Tap and pay enabled

Application Process for HDFC Freedom Credit Card

Step-by-Step Process

Apply online via HDFC Bank portal

Upload KYC & identity documents

Verification by bank

Card dispatch within 7 business days

Processing Time

5-7 business days

Application Features

Online Application: Available

Instant Approval: Not Available

Required Documents for HDFC Freedom Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Salary slip Form 16