HDFC Freedom Credit Card Review

By | April 17, 2021

HDFC Freedom Credit Card is a cashback credit card launched by HDFC in 2016. There is not much to say about the card before looking at its offerings. Hence let us take a look, what is new in this card.

HDFC Freedom Card Fees

Fees Amount
Joining FeeRs.500+GST
Renewal feeRs.500+GST
Interest Rate 3.19%/ month
1.99%/ month (in case of card being
issued against fixed deposit)

Renewal fee waived off in case of spending Rs.50,000 in a year. Otherwise Rs.500 is charged to renew the card.

HDFC Freedom


Salaried: 21 to 60 years of age with Gross Monthly Income greater than ₹12,000

Self-Employed: 21 to 65 years of age with Income: ITR more than ₹2 Lakhs per annum

HDFC Freedom Card Rewards

  • Welcome Benefit of 500 points
  • 1 RP on every Rs.150 spend
  • 25X RP on birthday spend
  • 10X reward points on PayZapp & SmartBuy spends

5% CashBack Categories on Freedom Card :

You get 5% cashback on below categories:

  • Movies
  • Dining
  • Super Market
  • Bill Payment
  • Taxi
  • Max CashBack: Rs.150 Per statement Cycle

Enjoy Additional 5% Cash back on below categories as well.

  • Easy EMI
  • Payzapp
  • Smart Buy
  • Max CashBack: Rs.150 Per statement Cycle

Also Read
SBI BPCL Fuel Credit Card Review


Min of 2500 points is required for redemption of points against cashback.

  • Redemption for cashback: 100points = Rs.10
  • Redemption for catalogue: 100points = Rs.15

Bottom Line

It is a very basic card. But it is good to see 5X return on groceries/ dining & most important Taxis. This is the best part for those who travel through public transport. This can be your go to card if you gonna use it for basic transactions.

If you want to earn on other categories as well the you HDFC Regalia is the card you can go for.


What are the benefits of HDFC Freedom credit card?

  • Fuel. 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.
  • You will get up to 3 add-on credit cards for free
  • The chip enabled cards allows you to make secure transactions

How can I make my HDFC freedom card lifetime free?

The required documents to apply for  HDFC lifetime-free credit card are:

  1. A copy of the PAN card.
  2. A copy of the ID proof.
  3. Copy of the address proof.
  4. Salary slips of last 6 months
  5. A copy of Form 16.
  6. A passport-size photograph.

How the limit is decided for HDFC Freedom credit card?

The credit limit for the card is decided by the bank on the basis of your earnings & transaction history.

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