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HDFC Bank Freedom Credit Card
HDFC Bank
Joining Fee₹500Renewal Fee₹500Waived at ₹50,000 annual spend
Last verified: 24 Sept 2026
Reward Program
CashPoints1 point = ₹0.15
| Category | Earn Rate | Monthly Cap |
|---|---|---|
BigBasket, BookMyShow, OYO, Swiggy and Uber | 0.75% | No cap |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 0.07% | No cap |
Redemption fee: 99
🔁
Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Statement cashback — 1 CashPoint = ₹0.15 for Freedom cardholders, the strict Rule 5 maximum HDFC publishes for this card.Flights and hotel bookings via SmartBuy, capped at 50,000 CashPoints a calendar month.Products and vouchers — up to 70% of value payable in points.
Live Offers
305 activeTravellers JourneyUp to Rs15,000 Off on HDFC Bank Cards
₹15,000 off
TJHDFC15Till 31 DecThomas CookGet upto 12,000 Instant Discount with HDFC Bank Credit Cards on Thomas Cook Holidays
₹12,000 offTill 31 Dec
SotcGet upto INR 12,000 Instant Discount on your Holiday Bookings with HDFC Bank Credit Cards
₹12,000 offTill 31 Dec
Reliance DigitalGet Flat Rs. 6,000 Discount on Apple Iphone 17 & 17 Pro at Reliance Digital with EASYEMI o
₹6,000 offTill 31 Dec
CromaGet Flat ₹4,000 discount on Apple Iphone 17 & 17 Pro models with EASYEMI on HDFC Bank Cred
₹4,000 offTill 31 Dec
Benefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver. Fuel itself earns no CashPoints.
₹75🎁
Welcome Benefit
500 Reward Points on fee realisation
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹500/yr |
| Renewal Fee | ₹500/yr |
| Fee Waiver | Spend ₹50,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
