All you need to know Fees & Charges

Annual fee details 

  • Spend ₹50,000 in a year to enjoy a waiver of the next year's annual membership fee.

  • If annual spending falls below ₹50,000, you can renew your card for a nominal fee of ₹500.
     

Cash Advance Fees:

  • A 2.5% fee, with a minimum of ₹500, applies to all cash withdrawals using your card.
     

Interest Options

  • Up to 50 days of interest-free period from the date of purchase.

  • Monthly interest rate of 3.49% will be charged for any outstanding amount beyond the bill due date

  • If your card is issued against a fixed deposit, pay only 1.99% monthly interest.
     

Terms and conditions apply 

Note:

  • For cards sourced starting November 1, 2020, the below T&C are applicable 

  • The bank reserves the right to cancel the card if it remains inactive for 6 consecutive months. A prior written notice will be sent to the registered email address, phone number, and/or communication address before cancellation.

  • Read detailed fees and charges

Frequently Asked Questions

You can enjoy a fee waiver for the nest year's annual membership on spending ₹50,000.

The HDFC Bank Freedom Credit Card annual fee is as follows: 

  • Spend ₹50,000 in a year to enjoy a waiver of the next year's annual membership fee.

  • If annual spending falls below ₹50,000, you can renew your card for a nominal fee of ₹500.

A fee of 2.5%, with a minimum of ₹500 is applicable on all cash withdrawals on your card.