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 Credit Card Review

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 Card Eligibility

HDFC Freedom Credit Card  eligibility

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 & Benefits

  • 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

How to apply for HDFC Freedom?

HDFC Freedom Credit Card how to apply

You can apply for the card in the following manner:

  1. You have to visit the get HDFC Bank website to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 6 months
    • ITR of an annual year

Our Suggestion

This is a decent card that rewards us in the form of cashback. However, it does not give any other kind of reward as in the form of points.

It gives 5% cashback on bills and utility payment.

You can keep this card if you want a credit card just for casual spending. Otherwise, there is nothing much offered on this card.

You can watch for other options from SBI & Kotak if you are looking for a dynamic card with a strong reward game.


HDFC Freedom Credit Card  features
  • Fuel surcharge waiver: Nil
  • Lounge access: Nil
  • Joining fee: Rs.500+Tax
  • Interest rate: 3.75% per month


5% cashbackNo fuel waiver
Low joining fees

Bottom Line

It is a virtual card. But it is good to see 5X return on groceries/ dining &, most important, Taxis. That is the best part for those who travel through public transport. It can be your go-to card if you are going to 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 Rs.5,000 )GST will be applicable.
  • You will get up to 3 add-on credit cards for free
  • The chip-enabled cards allow 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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