Freedom Credit Card

Click here to view the changes in HDFC Bank Freedom Credit Card effective 15th May 2026.

What's in store for you

More benefits than ever before

Welcome Benefits

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

Exclusive Benefits

  • 10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber

Milestone Benefits

  • Renewal membership fee waived off by spending ₹50,000 and above in an annual year

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Additional Benefits

Wondering if you are eligible?

Salaried

  • Indian nationality.
  • Age: Min 21 yrs. & Max 60 Yrs.
  • Income: Net Monthly Income> ₹12,000

Self-Employed

  • Indian nationality.
  • Age: Min 21 yrs. & Max 65 Yrs.
  • Income: ITR > ₹6.0 Lakhs per annum
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Save up to Rs. 4,000* annually just like 10 lakh + HDFC Bank Freedom Credit card holders

Apply Now
Millennia Credit Card

Documents required to get you started

Identity Proof 

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

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

Apply Now in 3 Easy Steps:

Online application process:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

Check Eligibility
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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 & Controls

Fee and Charges

  • Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
  • Spend over ₹50,000 in a year before renewal to get your Credit Card fee waived
  • Click here to view details of HDFC Bank Freedom Credit Card Fees and Charges
Fees and Renewal

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

Redemption Value

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

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
  • Click here to access all important links related to your Credit Card.
  • For more details on the card benefits, Click here
Most Important Terms and Conditions

Application Channels

You can choose any of the following easy options to apply for your HDFC Bank Credit Card:

  • 1. Website
    You can quickly apply online by clicking here.
  • 2. NetBanking
    If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.
  • 3. HDFC Bank Branch
    Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Most Important Terms and Conditions

Frequently Asked Questions

The HDFC Bank Freedom Credit Card is a versatile Credit Card offering for your everyday spends. It combines convenience, flexibility, and exclusive rewards. From a 1% fuel surcharge waiver to renewal benefits, this card is designed to enhance your lifestyle. 

You can use the HDFC Bank Freedom Credit Card seamlessly. for various transactions, earning CashPoints on specific merchants and enjoying a lower interest rate for the first 90 days. The card works at a vast network of establishments, and you can convert significant purchases into easy EMIs.  Leverage this Credit Card for your everyday spends and enjoy special rewards!  

The HDFC Bank Freedom Credit Card is widely accepted at merchant locations, both online and offline. From your favourite grocery store to top-rated restaurants, the card ensures hassle-free transactions. Experience the convenience of cashless payments and avail of exclusive discounts at partner restaurants, via Swiggy Dineout. 

Yes, you can withdraw cash from using the HDFC Bank Freedom Credit Card. Enjoy the flexibility of accessing cash when needed, subject to certain limits at set interest rates. 

The HDFC Bank Freedom Credit Card ensures robust security measures to safeguard your transactions. With advanced encryption technology, your financial data is protected against unauthorised access. Additionally, our zero lost card liability feature guarantees that you won't be held responsible for any fraudulent transactions when reported promptly to our 24-hour call centre. 

You can apply for the HDFC Bank Freedom Credit Card online by checking eligibility on the official website. You can submit the required documents, online or by visiting your nearest branch. Upon approval, get your new HDFC Bank Freedom Credit Card delivered to your home address. 

To apply for the HDFC Bank Freedom Credit Card, you need the following documents: 

  • Identity Proof 
    Passport   
    Aadhaar Card  
    Voter ID   
    Driving licence   
    PAN card  
    Passport size photos 

  •  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

Big savings, zero compromises.

  • 10X CashPoints on BookMyshow, Swiggy, Uber and more
  • 1% fuel surcharge waiver
  • Annual fee waived on ₹50K spend
Apply Now
Freedom Credit Card