HDFC Bank Freedom Credit Card
HDFC Bank
Annual / renewal fee
₹500 (annual/renewal membership fee).
Verifiedharvested from product page2 Aug 2026, 10:15 AM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Freedom Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 + applicable taxes.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit Card2 Aug 2026, 10:15 AM ISTHDFC Bank
Annual / renewal fee
₹500 (annual/renewal membership fee).
Verifiedharvested from product page2 Aug 2026, 10:15 AM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit Card2 Aug 2026, 10:15 AM ISTHDFC Bank
Renewal fee
₹500, waived on annual spends of ₹50,000 per annum.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit Card2 Aug 2026, 10:15 AM ISTHDFC Bank
Rewards
Redemption value
- CashPoints redeemable against statement balance (CashBack) at 1 CashPoint = ₹0.15.
- Minimum balance required for statement redemption is 3,334 CashPoints (equivalent of ₹500).
- Also redeemable for Flight & Hotel bookings and Rewards Catalogue on SmartBuy at 1 CashPoint = ₹0.15 (max 50% of booking value via CashPoints for flights/hotels).
- CashBack redemption fee: ₹50 per redemption (w.e.f 1st Aug 2024).
- Reward catalogue redemption handling charge: ₹99 + Taxes.
- Unredeemed CashPoints expire/lapse after 2 years of accumulation.
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Reward cap
- 10X CashPoints capped at 2,500 CashPoints per calendar month.
- Maximum reward points that can be earned in a statement cycle is 15,000.
- Utility transactions capped at 2000 RP/month.
- Telecom & Cable capped at 2000 RP/month.
- Grocery transactions capped at 1,000 RP/month.
- UPI spends (RuPay) capped at 500 RP/month.
Verifiedharvested from product page2 Aug 2026, 10:15 AM ISTHDFC Bank
Reward exclusion
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome Benefit of 500 CashPoints given to the cardholder if the joining membership fee is paid.
- Renewal Benefit of 500 CashPoints given if the renewal membership fee is paid.
Verifiedharvested from product page2 Aug 2026, 10:15 AM ISTHDFC Bank
Milestone benefit
Renewal Benefit of 500 CashPoints given to the cardholder if the renewal membership fee is paid.
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- 3.5% foreign currency markup on international / cross currency transactions.
- Dynamic Currency Conversion Markup Fee of 1.75% (w.e.f 15th May 2026) on transactions in Indian currency at an international location or at merchants located in India but registered overseas.
- FCY Markup fees clubbed and shared as one single entry on the statement.
Verifiedharvested from product page2 Aug 2026, 10:15 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).
- GST on fuel surcharge will not be reversed.
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Interest-free period
- Interest free (grace) credit period could range from 20 to 50 days, subject to the scheme and submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.
VerifiedKey Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit Card2 Aug 2026, 10:15 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Freedom Credit Card?
Officially traced: Rs. 500 (annual/renewal membership fee).
harvested from product pageWhat is the joining fee on the Freedom Credit Card?
Officially traced: Rs. 500 + applicable taxes.
Key Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit CardIs the Freedom Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
Key Fact Statement cum Most Important Terms & Conditions (MITC) - Freedom Credit CardWhat welcome benefit does the Freedom Credit Card offer?
Welcome Benefit of 500 CashPoints given to the cardholder if the joining membership fee is paid.
harvested from product pageWhat are the transfer ratios for Freedom Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedFreedom Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:08 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.