HDFC Freedom
by HDFC Bank · Data verified 2 days ago
Entry-level rewards card with 5X on dining and entertainment
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X CashPoints (up to 2,500\/month) on everyday partners: Swiggy, BigBasket, BookMyShow, Uber, and OYO
- 5X CashPoints on essential categories including Dining, Groceries, Railways, and Taxis
- \u20b91,000 gift voucher milestone upon achieving \u20b990,000 annual retail spends
- Low annual fee of \u20b9500 waived easily on modest annual spend of \u20b950,000
- 500 CashPoints welcome gift on realization of joining fee
- Up to 20% savings on restaurant bills with Swiggy Dineout
Things to Consider
- CashPoint value for statement credit is modest at \u20b90.15 per point
- No airport lounge access included
- Monthly capping of 2,500 CashPoints on 10X partner accelerated categories
- Utility bills, government transactions, and wallet loads earn zero or capped rewards
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 10 pts/₹100 | 10X CashPoints on BigBasket/BookMyShow/OYO/Swiggy/Uber (10 CP per ₹150, cap 2,500 CP/month) (Cap: 375/mo) |
| Shopping | 1 pts/₹100 | 1 CashPoint per ₹150 on all other spends |
| Fuel | — | 1% fuel surcharge waiver |
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Movies
- •10X CashPoints on BookMyShow
Dining
- •5X rewards on dining
- •20% off at partner restaurants through Swiggy Dineout
Shopping
- •10X CashPoints on BigBasket
Travel
- •10X CashPoints on Uber
Special Offers & Features
- •10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber (monthly cap of 2,500 CashPoints)
- •5X CashPoints on Dining, Groceries, Railways, and Taxis (monthly cap of 2,500 CashPoints)
- •Annual spend milestone: ₹1,000 gift voucher on spends exceeding ₹90,000
- •SmartBuy portal access: Extra rewards and accelerated redemption on flights, hotels, and gift vouchers
- •Zero lost card liability protection when reported within 24 hours to 24x7 HDFC phone banking
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure options: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a. depending on tenure
- •No-cost EMI available at select partner merchants via SmartBuy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to HDFC Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on HDFC Freedom
MakeMyTrip
Travel across India with flat 12% instant discount up to ₹2,000 on MakeMyTrip using your HDFC Bank Credit Card.Book domestic air tickets on all major domestic carriers with coupon HDFCDOM for upfront savings.
Step 2: Choose eligible domestic flights with booking value of ₹5,000 or more.
Step 3: Enter coupon code HDFCDOM on the payment page.
Step 4: Pay using any HDFC Bank Credit Card to get an instant discount up to ₹2,000.
Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Valid once per cardholder per calendar month. Excludes commercial and corporate cards.
Apple
Get up to ₹10,000 instant cashback on your dream Apple devices including iPhone 16 series, MacBook Air, and iPad with HDFC Bank Credit Cards.Available both online at apple.com/in and across all Apple Authorized Resellers across India.
Step 2: Choose an eligible iPhone 16 series, MacBook Air/Pro, or iPad.
Step 3: At checkout, select HDFC Bank Credit Card Instant Cashback offer.
Step 4: Select Full Swipe or 6/12/24 month No-Cost EMI to trigger up to ₹10,000 instant cashback.
Valid on select Apple models. Applicable on 6, 9, 12, 18, 24 months EMI and full-swipe credit card transactions. Valid once per card during promotional tenure. Instant cashback is credited on the invoice value.
Swiggy
Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your HDFC Bank Credit Card.Use code HDFCFD100 to enjoy dining savings across thousands of restaurants.
Step 2: Add delicious meals worth ₹499 or more to your cart.
Step 3: Enter promo code HDFCFD100 on the payment screen.
Step 4: Pay with any HDFC Bank Credit Card to get an instant ₹100 deduction.
Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.
Cleartrip
Book luxury hotel stays and weekend getaways on Cleartrip with flat 25% instant discount up to ₹3,500 using your HDFC Bank Credit Card.
Step 2: Select eligible domestic hotels and rooms with booking value of ₹4,000+.
Step 3: Enter promo code CTHDFC at checkout.
Step 4: Pay with your HDFC Bank Credit Card to get an instant 25% discount up to ₹3,500.
Valid once per card per month. Applicable on domestic hotel bookings across India. Minimum spend ₹4,000.
Reliance Digital
Shop the latest consumer electronics and smart home appliances at Reliance Digital with flat 7.5% instant discount up to ₹4,000 on your HDFC Bank Credit Card.
Step 2: Select eligible laptops, smartphones, or home appliances worth ₹15,000+.
Step 3: Choose HDFC Bank Credit Card offer at checkout.
Step 4: Instant discount up to ₹4,000 is deducted from the final invoice.
Valid on select electronics. Applicable on full-swipe and EMI transactions. Maximum discount ₹4,000 per card per month.
BookMyShow
Enjoy up to ₹250 off on movie and experience bookings on BookMyShow using your eligible HDFC Bank Credit Card.
Step 2: Proceed to payment page and click 'Unlock Offer or Apply Promocodes'.
Step 3: Select HDFC Bank Credit Card offer and enter card details to get up to ₹250 instant discount.
Valid on minimum booking of 2 tickets. Applicable on select HDFC Bank Credit Cards. Limit once per cardholder per calendar month.
Swiggy Dineout
Save 10% up to ₹500 on restaurant bills via Swiggy Dineout using HDFC Bank Credit Cards (codes: HDFCINFINIA up to ₹500, HDFCDINERS up to ₹400, HDFCCARDS up to ₹200; valid twice per month through 31st December 2026).
Step 2: Enter promo code HDFCCARDS (or HDFCINFINIA for Infinia / HDFCDINERS for Diners Black) at payment checkout.
Step 3: Pay using your eligible HDFC Bank Credit Card to get up to 10% instant discount.
Official HDFC Bank Swiggy Dineout offer (valid 1st Jan 2026 to 31st Dec 2026, twice per month per user): 10% off up to ₹500 on Infinia (code HDFCINFINIA, MOV ₹3,500), 10% off up to ₹400 on Diners Club Black/BizBlack (code HDFCDINERS, MOV ₹3,000), and 10% off up to ₹200 on other eligible HDFC Credit Cards (code HDFCCARDS, MOV ₹2,000).
Croma
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma with HDFC Bank Credit Cards & EasyEMI on Debit/Credit Cards (valid 18th September 2026 to 31st December 2026).
Step 2: Ensure cart total is ₹20,000 or more.
Step 3: Pay using any HDFC Bank Credit Card or EasyEMI to receive instant discount.
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma stores and Croma.com with HDFC Bank Credit Cards & EasyEMI on HDFC Bank Debit/Credit Cards (valid 18th September 2026 to 31st December 2026; excludes co-branded cards).
Frequently Asked Questions
Everything you need to know about HDFC Freedom
- • Min age: 21 years
- • Salaried: ₹12,000/month min
- • Self-employed: ₹16,667/month min
- • CIBIL: 680+ recommended
- • Instant: Pre-approved HDFC Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for HDFC Freedom today and unlock amazing rewards and premium experiences.
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