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What's in store for you

Are you ready for some exciting benefits and deals?

Welcome Benefits

  • 500 Reward Points on fee realisation.  
    (Applicable only on payment of Joining Membership Fee)

Exclusive Benefits

  • 5X Reward Points for spends on Dining, Movies, Groceries, Railway and Taxi bookings
    (capped at 1,500 Reward Points per statement cycle)

Milestone Benefits:

  • On crossing spends of ₹90,000 annually, get a Gift Voucher worth ₹1,000

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Explore these additional benefits

Wondering if you are eligible for this card?

For Salaried

  • Nationality: Indian national
  • Age: Minimum: 21 years, Maximum: 60 years
  • Income: Net Monthly Income > ₹12,000

For Self-Employed

  • Nationality: Indian national
  • Age: Minimum: 21 years, Maximum: 65 years
  • Income: >₹2 lakh per annum (as per ITR)
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Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photograph

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Fees and Charges

Know more about the joining/renewal fees and other charges here.

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Let's get you KYC'd

Simplify KYC with Video Verification

Complete your KYC online in just a few clicks:

  • Send us digital copies of your PAN and Aadhaar card
  • Get super-quick digital verification
  • No branch visits and instant paperless process

Steps to Apply

  • Visit HDFC Bank XpressWay for a Fully Digital and Zero Paperwork Application Journey
  • Login using your Mobile Number and Date of Birth
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Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management and Control

Redemption Value

  • Reward Points Redemption against each category can be redeemed at
1 Reward Point Equivalent to
Product Catalogue Up to ₹0.15
Unified SmartBuy Portal (on Flights/ Hotel Bookings) ₹0.15
CashBack ₹0.15
Airmiles 0.15 airmiles

Click here to know more on Rewards Catalogue

Contactless Payment

CashBack Redemption Limit

  • A minimum of 2500 Reward Points (in multiples of 500 only) is required for redemption against the CashBack.
  • Up to 50% of booking value can be redeemed through Reward Points on Flight/ Hotel Bookings via SmartBuy. The remaining amount must be paid via Credit Card.
    For Terms and Conditions on reward points and annual/renewal Fee please Click here
CashBack Redemption Limit

Contactless Payment

  • HDFC Bank Freedom Credit Card is enabled* for Contactless Payments at retail outlets.
    (Note: in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)
Contactless Payment

Zero Lost Card Liability

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
Zero Lost Card Liability

Make Payments More Rewarding with PayZapp

Link your HDFC Bank Freedom Credit Card on PayZapp -

  • Earn Additional CashBack along with the card CashPoints on Utility Bills, Mobile Recharges and more.
  • Get ₹1,000 CashBack on Shopping in-app over 200plus brands
  • Securely pay without the hassle of OTPs with ‘Swipe to Pay’
Make Payments More Rewarding with PayZapp

Revolving Credit

  • Available at a nominal interest rate. (Check Fees & Charges section for more details)
Make Payments More Rewarding with PayZapp

Frequently Asked Questions

  1. Check the eligibility criteria for the Freedom Credit card.
  2. Apply online by filling out the application form.
  3. Submit the required documents such as Aadhaar card, PAN card, etc.
  4. Upon approval, receive your new Freedom Credit Card in the mail.

The HDFC Bank Freedom Rewards Credit Card is widely accepted at millions of merchant outlets across India and abroad, wherever Visa / Mastercard credit cards are accepted.

Yes, you can withdraw cash from ATMs using your Freedom Credit Card. However, please note that cash withdrawals may attract certain charges as per the terms and conditions of the card.

Freedom Credit Card is an offering from HDFC Bank that provides a range of benefits, rewards, and cashback on various spend categories. It is designed to offer flexibility and convenience to cardholders along with attractive features and privileges.

The HDFC Bank Freedom Credit Card offers wide range of benefits:

  • Attractive welcome benefits for new members
  • Enjoy complimentary access to airport lounges worldwide
  • Fuel surcharge waiver at all fuel stations across India
  • Interest-free credit period up to 50 days
  • Enjoy golf games across the world (6 per quarter)

Subject to the Merchant submitting the charge on time

The monthly limit of the Freedom Credit Card depends on various factors including the credit limit assigned to the cardholder. The credit limit is determined by HDFC Bank based on factors such as income, credit history, and other internal criteria.

The Freedom Credit Card can be used for making purchases at both online and offline merchants worldwide. It also offers rewards, cashback, and exciting offers on different spend categories such as dining, movies, groceries, railways, taxis, etc.