About HDFC Bank Freedom Credit Card
HDFC Freedom Credit Card is an entry-level credit card ideal for first-time credit users. It offers accelerated rewards (10X CashPoints) on popular brands like BigBasket, BookMyShow, OYO, Swiggy, and Uber, covering groceries, dining, travel, and entertainment.
CashPoints can be redeemed for cashback, travel bookings via SmartBuy, air mile conversions, and products or vouchers through the rewards catalogue. The card also provides discounts on Swiggy Dineout and partner restaurants.
While it’s great for daily spending, the low redemption value of 1 RP = ₹0.15 reduces its overall value compared to cards like SBI SimplyCLICK and HDFC MoneyBack+. With its low annual fee and relaxed eligibility, it’s a good option for new-to-credit users.
HDFC Bank Freedom Credit Card Rewards Program
Rewards Earning
- Earn 10X CashPoints on spends at BigBasket, BookMyShow, OYO, Swiggy & Uber, up to 2,500 CashPoints per month
- Earn 1 CashPoint for every ₹150 spent on other categories, including UPI transactions
Reward Points Redemption
Redeem CashPoints at 1 CashPoint = ₹0.15 for:
- Products & vouchers via the rewards catalogue
- Hotel & flight bookings through the SmartBuy portal
- Conversion to air miles
- Statement credit
Other Features and Benefits
Welcome / Renewal Benefit
- Earn 500 CashPoints after paying the joining or renewal fee
Dining Benefits
- Get 10% additional discount on Swiggy Dineout, capped at Rs. 500
- Enjoy up to 20% off on dining bills at partner restaurants via Swiggy Dineout
Annual Benefit
- Annual fee waived on spending Rs. 50,000 in a year
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month
Fees and Charges
| Type of Charge | Amount |
|---|
| Annual fee | Rs.500 |
| Interest-free period | Up to 50 days |
| Minimum repayment amount | 5% or a minimum of Rs.200 |
| Charges on revolving credit | 3.49% per month |
| Cash advance limit | 40% of the credit limit |
| Late payment charges | - Less than equal to Rs.100 - Nil
- Rs.101 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.500
- Rs.1,001 to Rs.5,000 - Rs.600
- Rs.5,001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.900
- Rs.25,001 to Rs.50,000 - Rs.1100
- More than Rs.50,000 Rs.1300
|
| Additional card fee | Free |
| Payment return charges | 2% of the payment amount subjected to a minimum of Rs.450. |
| Rewards redemption fee | Rs.99 per redemption request |
| Charges on over limit account | 2.5% of the over limit amount subjected to a minimum of Rs.500 |
| Cash advance charges | 2.5% of the amount withdrawn or Rs.500, whichever is higher |
| Balance transfer processing charges | 1% of the balance transfer amount or Rs.250. The higher amount will be taken. |
| Outstation cheque processing charges | Cheque value of up to Rs.5,000 - Rs.25 Cheque value of more than Rs.5,000 - Rs.50 |
| Cash processing fee | Rs.100 |
| Reissue of a stolen, lost or damaged card | Rs.100 |
| Railway ticket purchase fee | 1.8% of the transaction amount + GST |
| Foreign currency transactions | 3.5% |
| Fuel transaction charges | Rs.250 per statement cycle will be waived off |
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Document Required For HDFC Bank Freedom Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Bank Freedom Credit Card Highlights
What do we like about this card?
- 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber (up to 2,500 CashPoints/month)
- 1 CashPoint/₹150 on other eligible spends
- 500 CashPoints as welcome/renewal benefit
- Annual Fee Waiver on spending ₹50,000 in a year
- Dining Discounts: Up to 20% off via Swiggy Dineout
- Fuel Surcharge Waiver: 1% on ₹400–₹5,000, max ₹250/month
- Low Annual Fee: ₹500 + taxes
Things to Know Before you apply
Get this card if:
- You want an entry-level credit card with simple, useful benefits
- You frequently spend on brands like BigBasket, Swiggy, and Uber
- You prefer a low annual fee card with multiple reward redemption options
- You can spend Rs. 50,000 in a year to avail the annual fee waiver
Pros
- Accelerated reward points on popular brands like BigBasket, Swiggy, Uber, etc.
- Reward points redeemable across multiple categories including cashback, travel, and vouchers
- Annual fee waiver achievable with reasonable spending
- Bonus reward points on joining or renewal
- Exclusive dining discounts via Swiggy Dineout
Cons
- Low reward redemption value (1 CashPoint = Rs. 0.15)
- No travel-related benefits such as lounge access
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The annual fee is ₹500 + GST.
You get 500 CashPoints on payment of joining or renewal fee.
Earn 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber (up to 2,500 CashPoints/month) and 1 CashPoint per ₹150 on other eligible spends.
Redeem for products, vouchers, hotel/flight bookings via SmartBuy, airmiles conversion, or statement credit (1 CashPoint = ₹0.15).
Yes, 10% extra discount on Swiggy Dineout (up to ₹500) and up to 20% off at partner restaurants.
Yes, the annual fee is waived on spending ₹50,000 in a year.
Yes, 1% waiver on transactions between ₹400–₹5,000, capped at ₹250/month.
