HDFC
HDFC Freedom Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
10X CashPoints
on spends at merchants like Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 Reward Points per month
10% Extra Discount on Swiggy Dineout
using the coupon code HDFCCARDS, as per offer terms
Best For
Shopping
Dining
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
2LPA
Credit
Rating*
650+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
See if you are eligible for this card
All Card Benefits
- Earn 10X CashPoints on favourite merchants including Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 per month
- Link your card to PayZapp to earn additional CashPoints on utility bills, mobile recharges, and in-app shopping
- Earn up to ₹1,000 worth of CashPoints on PayZapp shopping across 200+ brands
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Products
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
For Spends Waiver
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on railway ticket purchase | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,000 and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
10X CashPoints
on spends at merchants like Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 Reward Points per month
10% Extra Discount on Swiggy Dineout
using the coupon code HDFCCARDS, as per offer terms
The smartest way to find your great credit card
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