HDFC Bank Freedom Credit Card

Joining fee

₹500 + GST

Renewal fee

₹500 + GST

Fee waiver rule

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

Add-on card fee

₹0

Welcome benefit

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

Reward rate

1 Reward Point per ₹200 · everyday spends1 Reward Point for every ₹200 spent on other spends.

EMI spend earning

Easy EMI transactions will NOT earn Reward Points.

Fuel earning

CashPoints shall not be eligible for Fuel Spends.

Government spend earning

Govt Related Transactions will NOT earn Reward Points.

Online earning

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

Rent earning

Rent payments will NOT earn Reward Points.

Utilities earning

Link your HDFC Bank Freedom Credit Card on PayZapp - Earn Additional CashPoints along with the card CashPoints on Utility Bills, Mobile Recharges and more.

Reward exclusions

Fuel, EMI, Rent payments, Govt Related Transactions and Wallet / Gift / Prepaid Card loads & Voucher Purchase transactions.

Reward caps

The maximum reward points that can be earned in a statement cycle for Freedom Card is 15,000

Points transfer redemption

1 Reward Point Equivalent to 0.15 airmiles.

Redeeming points for travel

Reward Point Equivalent to ₹0.15 on Flights/ Hotel Bookings.

Statement-credit redemption

CashBack redemption against the statement at the rate of 1 CashPoint = ₹0.15.

Voucher and product redemption

Product Catalogue Up to ₹0.15

Dining programme

Additional 10% off on Swiggy Dineout.

Milestone benefits

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

Retention or continued-access criteria

The bank reserves the right to cancel the card if it remains inactive for 6 consecutive months.

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Surcharge on railway tickets

1% of the transaction amount + GST will be charged on Railway Ticket Purchases

Lost card liability

Zero lost card liability: you won't be held responsible for any fraudulent transactions when reported promptly to our 24-hour call centre.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Smart EMI: option to convert big spends into EMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.5% markup fee on international / cross currency transactions

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

A 2.5% fee, with a minimum of ₹500

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly 45.0% Annually

Interest-free period

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

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

Applicable on all Fees, Interest, and other Charges.

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Income, salaried

Net Monthly Income > ₹12,000.

Income, self-employed

ITR > ₹6.0 Lakhs per annum.

Minimum age

Age: Min 21 yrs.

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Indian nationality