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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

Card Management and Control

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of your Freedom Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions, etc.
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Card
  • Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on 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) ₹0.10
CashBack ₹0.10
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.