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HDFC BankHDFC Bank

HDFC Freedom Credit Card

ShoppingDiningFuel
Welcome offerNot verified from configured sources
Annual fee
₹ 500
Reward rate
10x CashPoints on Big Basket, Swiggy, BookMyShow, OYO, Uber; 1 CashPoint per ₹200 on other purchases
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

HDFC Freedom Credit Card
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

10x CashPoints on Big Basket, Swiggy, BookMyShow, OYO, Uber; 1 CashPoint per ₹200 on other purchases

CashPoints can be redeemed for cashback, products, hotel/flight bookings via SmartBuy; 1 CashPoint = ₹0.15

Reward currency
Reward Points
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 1% fuel surcharge waiver on transactions ₹400-₹5,000 (max ₹250 per statement)

  • 10% off up to ₹200 on Swiggy Dineout twice a month

  • 500 CashPoints welcome bonus

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Easy redemption of CashPoints

  • Up to 10% off on partner restaurants via Swiggy Dineout

What to watch out for

  • CashPoints expire after 2 years

  • No lounge access

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.5% of transaction amount
Late payment
Not verified from configured sources
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.75% per month (45.0% p.a.)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about HDFC Freedom Credit Card

Everything you need to know about HDFC Freedom Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for HDFC Freedom Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for HDFC Freedom Credit Card from HDFC Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

HDFC Freedom Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.

HDFC Freedom Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for HDFC Freedom Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.