Credit Cards · Honest Review
HDFC Bank Freedom Credit Card
HDFC Bank · Visa
Your Verdict
- ✓10X CashPoints (capped 2,500/month) on BigBasket, BookMyShow, OYO, Swiggy and Uber
- ✓1 CashPoint per 150 on all other spends
- ✓500 bonus CashPoints on joining fee payment
- ✓1% fuel surcharge waiver between 400-5,000 spends, capped 250/cycle
- ✓Entry-level fee easily waived at 50,000 annual spend
What HDFC Bank Freedom Credit Card costs you
HDFC Bank Freedom Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend 50,000 or more in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend 50,000 or more in a year |
| Spend required for waiver | ₹50,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
HDFC Bank Freedom Credit Card earns 0.67% on all eligible spends as a base reward rate, with accelerated rates on online shopping, entertainment & ott and other bonus categories listed below. Each reward point is worth ₹0.15 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.67% |
| 🛒 Online Shopping | 6.67% |
| 🎬 Entertainment & OTT | 6.67% |
500 bonus CashPoints after successful payment of joining fee
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on HDFC Bank Freedom Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank Freedom Credit Card
HDFC Bank Freedom Credit Card requires a minimum net monthly income of ₹12,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹12,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5-7 working days |
Salaried minimum net monthly income 12,000; self-employed need ITR above 2 lakh annually. Max age 65 for self-employed.
Who should (and shouldn't) get HDFC Bank Freedom Credit Card
- → Heavy spenders on online shopping who want 6.67% back
- → Heavy spenders on entertainment & ott who want 6.67% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
HDFC Bank Freedom Credit Card — Questions answered
What is the annual fee for HDFC Bank Freedom Credit Card?
What is the minimum income required for HDFC Bank Freedom Credit Card?
What is the reward rate on HDFC Bank Freedom Credit Card for online shopping?
Does HDFC Bank Freedom Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank Freedom Credit Card?
How long does it take to get HDFC Bank Freedom Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.