HDFC Freedom Credit Card

HDFC Freedom Credit Card is one of the Best Cash Back Credit Cards available for the beginners in India. At annual fee of Rs. 500, it comes as a very affordable and valuable choice for regular as well as first-time credit card users. The renewal fee is waived off on the modest annual spend of Rs. 50,000.



  • Annual Fee: Rs. 500
  • Renewal Fee: Rs. 500; Renewal fee is waived off on annual spends of Rs. 50,000 (w.e.f February 2019).
  • Contactless payment facility: Your card is powered by contactless payment feature which enables faster, safer and easier retail transactions. You can purchase without feeding in pin or handing over your card physically at the merchant location. This is a very convenient option for day-to-day spends up to Rs. 2000. The contactless symbol is transcribed on the back side of the card.
  • Zero liability on card loss: You also enjoy a premium feature of 'zero liability' on the loss of Card. If you report the loss of Card, within 24-hours to the call centre, there is no liability on any unknown or fraudulent transaction made through your HDFC Credit Card.
  • Interest free credit: On your HDFC Credit Card purchases, you enjoy up to 50 days of the interest-free period. So make sure you keep your last dues clear and time your purchases to enjoy maximum interest free period.


  • Easy rewards program and hassle-free rewards points redemption.
  • Welcome gift of 500 Reward Points (RPs).
  • 500 reward points on renewal of your card next year. The benefit is extended only after processing the fees.
  • On 90,000 annual spends, you win Rs. 1000 gift voucher.
  • Fuel Surcharge waiver: You enjoy a waiver of 1% convenience fee, subject to Rs. 250 benefit per statement cycle. The transaction should be made in the range of Rs. 400 to Rs. 5,000 + GST and taxes are applicable.


Salaried individuals:

  • To apply for HDFC Freedom Credit Card, you must be at least 21 years old and not more than 60 years.
  • Your monthly gross income must be more than Rs. 12,000.

Self Employed:

  • Likewise, a self employed individual between the age group of 21 to 65 years can apply for this card.
  • You must file ITR to apply for the card. The ITR should be filed for more than Rs. 2 Lakh per annum.

Fee & Charges

Following are the fees and charges details of HDFC Freedom Credit Card:

Type of ChargesCharges Details
Annual FeeRs. 500
Renewal FeeRs. 500
Interest Free PeriodUp to 50 days
Interest Rate3.49% per month
Additional Card FeeFree
Cash advance fees2.5% of the amount
Cash processing feeRs. 100
Reward redemption feeRs. 99 per request
Foreign currency transactions Charges3.50%
Balance transfer charges1% of the amount or minimum Rs. 250
Reissuance feeRs. 100
Payment return Fee2%
Cash advance limit40% of the credit limit
Overlimit Charges2.50% of the overlimit amount
Card Replacement ChargeRs. 100

HDFC Freedom Credit Card Reward Points

Reward Details

  • Welcome Benefit: Enjoy 500 Reward Points (RPs) as Welcome Gift. You also enjoy 500 rewards points on renewal of your card next year. The benefit is extended only after processing the fees.
  • Birthday offer: 25X Reward Points on spends incurred on your Birthday. You can earn up to 3000 reward points under the offer.
  • On PayZapp & SmartBUY spends you earn 10X reward points.
  • 5X reward points on retail spends on movies, dining, groceries, railways & taxis bookings.
  • 1 reward point on every Rs. 150 spent for all other categories.

Reward Points Redemption

  • You can redeem your rewards points earned with HDFC Freedom Credit Card for amazing gifts as per HDFC Rewards Catalogue or earn the Cashback.
  • For gifts, 100 Reward Points = Rs. 15
  • For cashback , 100 Reward Points = Rs. 10
  • To redeem cashback, make a request in the multiples of 500. You can instantly request rewards redemption online.
  • You can check accumulated reward points in your card statement. Current month's rewards would be posted in next month's statement.
  • You can make up to 1500 points per statement cycle on cumulative spends.

Bill Payment Options for HDFC Freedom Credit Card

You can use the following payment channels for your HDFC Credit Card bills:

Options for HDFC Customers:

  • Use Auto-Pay service by setting up a Standing Instruction to debit the bill from your HDFC Bank Account automatically. You can automate payment either for the minimum amount due or for the total monthly outstanding.
  • Existing HDFC Savings/Current account holders can conveniently pay their Credit Card bills online using the net banking facility. You can log in to your NetBanking Account and link your Credit Card.
  • You can also pay the card bills by accessing any of the HDFC Bank ATMs in India.
  • One of the most convenient ways to make card payment is by using HDFC Bank Mobile Banking App. You simply need to log in to the App and make the payment by choosing 'Credit Card Payment' under the Credit Card tab. Here, you can make instant payments through your HDFC Bank Savings Account.

Payment Options for Non- HDFC Bank Savings Account Holders:

  • You can access the bill desk and make an online payment by your bank account.
  • You can also use NEFT/ Visa Money Transfer facility. For card payments through NEFT, Use IFSC Code HDFC0000128.

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HDFC Freedom Credit Card FAQs

How do I redeem accumulated reward points on my HDFC Freedom Credit Card?


You can instantly redeem the accumulated points online by accessing net banking. Log in with your customer id and password and request 'card redemption' option. Make sure you redeem points in the multiples of 500. You can either choose exciting gifts from the rewards catalogue or by converting the points to cashback. The credit back can be used to pay the outside bill of your card.

How can I check the status of my Credit Card application?


You can check the status of Credit Card application online on official HDFC website. All you need to do is input 16 digit application reference number, along with your mobile number or Date of Birth (DDMMYYYY) to verify the request.

How do I register for Online Credit Card service?


Existing HDFC Bank customers can access their user account and register their new Credit Card for net banking. As you choose "Register New Card" on the left-hand side of the screen, you would be asked Credit Card number, expiry date, and ATM PIN. After filling in the required information, "Submit" the request.

What is the contact address for HDFC Credit Card Customer Care?


Use the following address for your queries and requests:

HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Toll-Free Customer Care Number: 18002664332