HDFC Freedom Credit Card: Key Features & Benefits

Planning to apply for the HDFC Bank Freedom Credit Card? Here’s a breakdown of its standout features, benefits, and eligibility criteria to help you decide:


Key Features

1. Reward Points

  • Earn 10X CashPoints on popular merchants: Bigbasket, BookMyShow, OYO, Swiggy, and Uber.
  • Get 1 CashPoint per ₹150 on other spends (excluding fuel and wallet loads).
  • Note: Grocery transactions are capped at 1,000 reward points/month (from Jan 1, 2023).

2. Dining Discounts

  • 20% off at partner restaurants via Swiggy Dineout.
  • Additional benefits under the Good Food Trail program.

3. Annual Fee

  • ₹500 + taxes.
  • Spend ₹50,000/year to get the renewal fee waived.

Additional Features

1. Zero Lost Card Liability

  • Report loss immediately via HDFC’s 24x7 call center to avoid liability on fraudulent transactions.

2. Interest-Free Credit Period

  • Up to 50 days from the purchase date (subject to merchant submission).

3. Revolving Credit

  • Flexible payment options with a nominal interest rate.

4. Exclusive Swiggy Dineout Savings

  • Enjoy up to 20% savings on restaurant bills paid via the Swiggy app.

Eligibility Criteria

1. For Salaried Individuals

  • Age: 21–60 years.
  • Minimum monthly income: ₹12,000.

2. For Self-Employed Individuals

  • Age: 21–60 years.
  • ITR requirement: ₹6 lakh+.

Maximize your spends with HDFC Freedom Credit Card.