HDFC

HDFC Freedom Credit Card

Apply for HDFC Freedom Credit Card for 10X CashPoints on Swiggy, BigBasket & Uber, ₹1,000 voucher on ₹90K spend & fee waiver. Best for daily spenders.

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Issued by

HDFC

HDFC Freedom Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹25000
Credit Score650

Key Highlights

10X CashPoints

on spends at merchants like Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 Reward Points per month

10X CashPoints

on non-EMI retail spends with Swiggy10 CashPoints per ₹150 spent, capped at 2500 Reward Points per month

Shopping

1 Reward Point Per ₹150 Spent

on all eligible retail transactions made using the card

Extra CashPoints on Utility Bills & Recharges

when the card is linked to PayZapp for utility bill payments, mobile recharges, and more

Dining

Flat ₹200 Discount on Dineout

minimum order value ₹2000, twice a month

10% Extra Discount on Swiggy Dineout

using the coupon code HDFCCARDS, as per offer terms

₹1,000 CashPoints on In-App Shopping via PayZapp

on shopping across 200+ brands within the PayZapp app

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score650

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹2 LPA

Minimum Annual Income of ₹2 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Self-employed Income₹6 LPA

Minimum Annual Income of ₹6 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee Offset500 Reward Points are credited after the joining fee is paid, helping offset the ₹500 joining fee through rewards
Annual Fee₹500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹3522

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Flight & Hotel Bookings
  • Products
Earning ExclusionsFuel Transactions , Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions , Government and Statutory Payments, Education Payments, Insurance Premium Payments, Utility Bill Payments, Railway Ticket Bookings, Gift Card or Voucher Purchases, Gambling or Lottery Transactions, Cryptocurrency or Digital Asset Transactions
Spend ExclusionsFuel Transactions , Rent Payments, Wallet Loads, Cash Withdrawals, EMI Transactions , Government and Statutory Payments, Education Payments, Insurance Premium Payments, Utility Bill Payments, Railway Ticket Bookings, Gift Card or Voucher Purchases, Gambling or Lottery Transactions, Cryptocurrency or Digital Asset Transactions

Benefits

All Benefits

  • Earn 10X CashPoints on favourite merchants including Big Basket, BookMyShow, OYO, Swiggy, and Uber, capped at 2500 per month
  • Link your card to PayZapp to earn additional CashPoints on utility bills, mobile recharges, and in-app shopping
  • Earn up to ₹1,000 worth of CashPoints on PayZapp shopping across 200+ brands

Welcome Benefits

  • Earn 500 Reward Points on fee realisation, applicable only on successful payment of the joining membership fee

Cab Benefits

  • 10X CashPoints on Uber, capped at 2500 per month 

Dining Benefits

  • Flat ₹200 Discount on Dineout minimum order value ₹2000, twice a month
  • 10% Extra Discount on Swiggy Dineout Using the Coupon Code HDFCCARDS, as per offer terms

Fuel Surcharge Waiver Benefits

  • 1% Fuel Surcharge Wavier on minimum transaction of ₹400 & maximum transaction of ₹5000, maximum wavier of ₹250 per statement cycle

Milestone Benefits

Minimum Spend₹50000
Within365 days
Voucher Bonus₹500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.

FAQ

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