Apply for the HDFC Bank Freedom Credit Card to earn accelerated CashPoints on partner spends and flexible redemptions.
Last updated on: Aug 24, 2026
The HDFC Bank Freedom Credit Card is a practical rewards card for frequent online shoppers who want reward points with straightforward redemption. Here are its core highlight features:
| Features | Details |
|---|---|
Joining Fee |
₹500 + applicable taxes |
Annual Fee |
₹500 + applicable taxes (waived on spending ₹50,000 or more in a year before renewal) |
Ideal For |
Daily online shopping on partner merchants (groceries, food, travel) offering enhanced CashPoints rewards with flexible redemptions. |
Key Features |
|
Welcome Benefit |
500 CashPoints on payment of the joining membership fee |
Below are the core features of the HDFC Bank Freedom Credit Card that can enhance your spending experience on every swipe:
Earn 10 CashPoints per ₹200 spent at BigBasket, BookMyShow, Swiggy, Uber, and OYO on eligible non-EMI spends, and 1 CashPoint per ₹200 on other eligible retail spends.
The 10X benefit is capped at 2,500 CashPoints per calendar month, and total rewards per statement cycle are capped at 15,000 points.
CashPoints convert to cashback at the rate of 1 CashPoint = ₹0.15 and can be redeemed via net banking, phone banking or the SmartBuy portal.
You receive 500 CashPoints on payment of the joining fee and another 500 CashPoints on renewal fee payment, adding immediate value.
A 1% fuel surcharge waiver applies (minimum transaction value ₹400 & maximum transaction value ₹5,000) up to ₹250 per statement cycle.
CashPoints are posted in the first week of the month after the transactions are settled; certain spends such as fuel, rent, government transactions and wallet loads are excluded.
Enjoy up to 50 days without any interest on your purchases, as long as you make your payments on time.
Earn extra CashPoints on top of your card rewards when you pay utility bills, recharge your mobile, and more using the PayZapp platform.
Manage your card, view and redeem CashPoints, and raise service requests through HDFC’s MyCards portal.
With the Freedom Credit Card, you can earn CashPoints on both daily expenses and online transactions. Here’s how the rewards programme work to maximise your benefits:
Accelerated Points on Partner Merchants
You earn 10 CashPoints for every ₹200 spent at the five partner merchants (BigBasket, BookMyShow, Swiggy, Uber, and OYO) on eligible non-EMI transactions.
Standard Earning on Other Eligible Spends
For other eligible retail spends you earn 1 CashPoint for every ₹200 spent. Some merchant categories are excluded; check the T&Cs for full details.
Monthly and Statement Caps
The accelerated 10X benefit has a monthly cap of 2,500 CashPoints and the programme limits total reward points at 15,000 per statement cycle.
Note: Each CashPoint is worth ₹0.15, so 10 CashPoints = ₹1.5.
| Purchase (Monthly) | Amount (₹) | CashPoints Earned | Savings (₹) |
|---|---|---|---|
Groceries (BigBasket) |
₹10,000 |
500 |
₹75 |
Dining (Swiggy Food Deliveries) |
₹6,000 |
300 |
₹45 |
Movie Tickets (BookMyShow) |
₹2,500 |
125 |
₹18.75 |
Commute to Work (Uber) |
₹8,000 |
400 |
₹60 |
Online Shopping (Flipkart, Amazon, etc.) |
₹15,000 |
75 |
₹11.25 |
Disclaimer: The above example is for illustration purposes only. Actual rewards may vary based on spending categories and bank policies.
You can redeem your CashPoints quickly through HDFC Bank’s available channels:
Statement Cashback: You can redeem CashPoints as a credit to your card statement, processed via NetBanking, Phone Banking or a physical redemption form.
Minimum Points Required: The minimum CashPoints balance required for cashback redemption is 3,334 CashPoints (equivalent to ₹500 at the published conversion).
Redemption Fee: A nominal ₹50 redemption fee applies for cashback (effective from 1st August 2024).
SmartBuy & Rewards Catalogue: You can use CashPoints on the SmartBuy portal for flights, hotels and vouchers, or via the rewards catalogue.
All CashPoints lapse after 24 months (two years) from the date they are posted to your account, so you should redeem them before they expire. Unredeemed points after the expiry period will be forfeited as per the card terms.
Below is a clear overview of the key fees and charges associated with the Freedom Credit Card that you should know before you apply:
| Fee Type | Details |
|---|---|
Joining Fee |
A one-time fee of ₹500, charged when your credit card is first activated |
Annual Fee |
₹500 per year, which may be waived if your annual card spends reach ₹50,000 or more before renewal |
Reward Redemption Fee |
A ₹99 charge applies each time you redeem reward points through the rewards portal |
Cash Advance Fee |
2.5% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
Levied at 3.75% per month, equivalent to 45% annually, on outstanding unpaid balances |
Minimum Amount Due |
5% of the total outstanding amount, including EMIs, taxes and charges, rounded up to the next ₹10. |
Late Payment Fee |
2.5% of the over-limit amount, subject to a minimum charge of ₹550, applied only with prior consent |
Foreign Transaction Fee |
Charge of 3.5% on the value of all international transactions |
Note: A GST of 18% is applicable on all of the above charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Here are the essential eligibility criteria you need to fulfill before applying for the Freedom Credit Card:
| Criteria | Salaried Individuals | Self-employed Individuals |
|---|---|---|
Nationality |
Indian citizen |
Indian citizen |
Minimum Age |
21 years |
21 years |
Maximum Age |
60 years |
65 years |
Minimum Income Requirement |
Net monthly income of ₹12,000 |
Annual income of ₹6 Lakhs (as per ITR) |
Proof of Income |
Salary slips of latest 2–3 months and Form 16 |
Income Tax Returns (ITR) and bank statements showing income |
For a seamless application experience, make sure you have the following documents ready when you apply for the Freedom Credit Card:
A valid PAN card and Aadhaar card as proof of identity
A recent passport-size colour photograph for verification purposes
Address proof, such as an electricity, water or telephone bill, or a valid ration card
If you are salaried, salary slips for the last two to three months along with Form 16 as income proof
If you are self-employed, Income Tax Returns (ITR) and bank statements reflecting regular income
Make sure all submitted documents are clear, current and valid to prevent delays during the approval process.
Applying for the Freedom credit card on Bajaj Markets is quick and easy. Just follow these steps:
Click on ‘Check Card Offer’ and share basic details such as your mobile number, date of birth and occupation.
Enter the OTP sent to your registered mobile number to confirm your identity.
Check the pre-filled details, including your PAN, email ID, PIN code and income information.
Select the HDFC Bank Freedom Credit Card or choose another card that suits your requirements.
Click on ‘Submit’ to complete your application.
If you need help at any stage, you can reach HDFC Bank customer care on 1800-1600 or 1800-2600, available 24×7, even on Sundays and bank holidays.
Disclaimer
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
Reviewer
You earn accelerated CashPoints on select partner merchants and a standard rate on other eligible spends, giving you flexible redemption choices for statement credit, travel or vouchers. You also get welcome and renewal CashPoints, fuel surcharge waiver subject to limits, and digital card management through HDFC’s portals.
The one-time joining (membership) fee is ₹500 plus applicable taxes, payable at card activation. Renewal carries the same ₹500 membership fee, which may be waived on spends of ₹50,000. Always check the latest MITC for any promotional changes.
Lounge access is not listed as a standard benefit for the Freedom card in the product terms, as the Freedom card is positioned primarily as a rewards card If lounge visits matter, check for temporary offers or consider HDFC cards that explicitly include airport lounge benefits.
The Freedom card is accepted at merchant outlets and online platforms that accept HDFC Bank credit cards and the card’s underlying network. You can use it for domestic and international purchases where the card network is accepted, noting that forex transactions carry a foreign-transaction fee.
HDFC Bank assigns your card limit individually based on your income, credit history and internal underwriting rules. There is no publicly stated fixed maximum limit, the bank communicates the sanctioned limit when your application is approved.
HDFC Bank does not publish a fixed minimum credit-score requirement for Freedom credit card approvals. Approval depends on a mix of factors like credit history, income and other risk parameters. So, a stronger credit score and clean repayment record can improve your chances.
Yes, you can take cash advances, but they attract a cash-advance fee (2.5% of the sum withdrawn or ₹500, whichever amount is higher) and interest from the withdrawal date. Review the fees and interest terms before using cash withdrawal facilities.