• Enjoy spending on your Freedom Credit Card with 5X reward points on Dining/Movies/Groceries/Railways /Taxi
  • Get 10X reward points on PayZapp & SmartBUY spends
  • 25X reward points on Birthdays spends
  • Redeem points for CashBack or Catalogue


  • Gift Voucher worth Rs 1000 on annual spend of Rs 90,000 and higher
  • Get Renewal fee waived on spends of Rs 60,000 in a year prior to renewal date.

Click here for Credit Card Usage Guide

What are the features and benefits of a Freedom Credit Card?


You will get some exclusive features and benefits with your Freedom Credit Card

    • Freedom Card
      Welcome Benefit of 500 reward points on fee realization only

      Earn 25X reward points on your Birthday spends ( Upto maximum reward points of 3000)

      Earn 10X reward points on PayZapp & SmartBUY spends (Upto maximum reward points of 1,500 per statement cycle on cumulative spends)

      Earn 5X reward points on Movies/Dining/Groceries/Railways & Taxis spends ( (Upto maximum reward points of 1,500 per statement cycle on cumulative spends)

      For all other categories, get 1 reward point for every Rs.150 spends (Upto maximum reward points of 1,500 per statement cycle )

      Get gift voucher worth Rs.1000 on annual spends of Rs.90,000 and above. Click here for more details

      Redeem points for exciting gifts from our exclusive Reward Catalogue ( 100 Points = Rs.15) or for CashBack ( 100 Points = Rs.10)

      Spend Rs.60,000 in a year and get a waiver of next year's annual membership fee

      Please note-
      • Reward points for eligible transactions will get posted in next statement
      • Redemption of points for CashBack will happen in multiple of 500
      • Welcome benefit will get credited post fee realization only
      • For Terms & Conditions on reward points & annual/renewal Fee please click here
    • Fuel Surcharge waiver
      Convenience fee waiver of 1%, capped at Rs .250 per statement cycle (Applicable on minimum transaction of Rs. 400 and maximum of Rs. 5,000) GST will be applicable

    • Safe & Secure Transactions 
      DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).

    • Zero liability on lost card 
      If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
    • Revolving Credit 
      Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.

  • Interest free credit 
    Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

    Credit Card Offers: Click here for exclusive offers on your HDFC Bank Credit Card.


You are eligible for the Freedom Credit Card based on the following:

Customer Profile Criteria
Salaried Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 12,000
Self Employed Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 2 Lakhs per annum

What are the fees and charges applicable to a Freedom Credit Card?

Please click here to view the fees and charges applicable on your Freedom Credit Card.

Goods and Services Tax (GST)

  • Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
  • The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
  • GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
  • GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Have questions?


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