HDFC Freedom Credit Card
The most rewarding card for all your daily purchases.
- Enjoy up to 50 days of interest-free credit on your purchases.
- Earn 10X CashPoints when you shop at our partner stores and merchants.
- Save an extra 10% on your Swiggy Dineout orders.
HDFC Freedom Credit Card Benefits
Reward Point Benefits
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- Earn 1 Reward Point for every ₹150 you spend.
- Get 10X CashPoints when you shop with your favourite brands: Big Basket, BookMyShow, OYO, Swiggy & Uber.
Banking Benefits
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- Interest-Free Credit Period: Enjoy up to 50 days without interest on purchases (from the purchase date, once the merchant submits the charge).
- Contactless Payment: Make quick, easy, and secure tap-and-go payments at retail stores.
- Smart EMI: Have the option to convert large purchases into manageable EMIs after you buy.
- Zero Lost Card Liability: If you lose your card, you are protected from fraudulent transactions once you report it immediately to our 24/7 helpline (1800 1600 / 1800 2600; internationally: +91-22-61606160).
- Easy Card Management: Manage your card simply and conveniently through the HDFC Bank MyCards app.
PayZapp Benefits
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- Link your HDFC Bank Freedom Credit Card to the PayZapp wallet.
- Earn extra CashPoints on top of your card’s regular rewards for paying utility bills, mobile recharges, and more.
- Get ₹1,000 in CashPoints for shopping in the app across 200+ brands.
- Pay securely without OTP hassle using the convenient ‘Swipe to Pay’ feature.
Travel & Dining Benefits
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- Earn 10X CashPoints on spending with Swiggy, Oyo, Uber, and more.
- Get an extra 10% discount on Swiggy Dineout by using the coupon code HDFCCARDS (Terms & Conditions apply).
- Save on fuel with a 1% fuel surcharge waiver at petrol pumps across India (on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per billing cycle).
HDFC Freedom Credit Card Eligibility
Find out if you qualify for the Shoppers Stop HDFC Bank Credit Card
For Salaried Individuals
Salaried
- ✔Nationality: Indian
- ✔Age: 21 – 60 years
- ✔Monthly Income: ₹12,000
For Self Employed
Self Employed
- ✔Nationality: Indian
- ✔Age: 21 – 65 years
- ✔Annual ITR: ₹6,00,000+
HDFC Freedom Credit Card Apply Now in 3 Easy Steps
Get your card quickly and easily with our streamlined application process
Application Process
Provide & Validate Details
Enter your mobile number and DOB or PAN for verification
Confirm Your Information
Review and confirm your personal and income details
Select & Submit
Choose the card variant and submit your application
HDFC Freedom Credit Card Document Checklist
Keep these documents ready for a smooth and fast approval
Identity Proof
- PassportRequired
- Aadhaar CardRequired
- Voter IDRequired
- Driving LicenceRequired
- PAN CardRequired
Address Proof
- Utility BillsRequired
- Rental AgreementRequired
- PassportRequired
- Aadhaar CardRequired
- Voter IDRequired
Income Proof
- Salary SlipsRequired
- ITRRequired
- Form 16Required
- Bank StatementsRequired
HDFC Freedom Credit Card Control via MyCards
- ✔ Register and activate your new credit card.
- 🔐 Set up and change your card PIN securely.
- ⚙️ Manage your card settings, such as online spending limits and contactless payments.
- 📄 View your recent transactions and download e-statements.
- ⭐ Check your current Reward Points balance.
- 🚫 Instantly block your card or request a replacement.
- ➕ Apply for an add-on card, manage it, set its PIN, and control its spending limits.
- 🏦 Manage all your HDFC Bank products (credit cards, debit cards, FASTag, and consumer loans) from one single platform.
- 📊 Track all your expenses easily with a simple and user-friendly interface.
- 🎁 View your reward points and redeem them instantly with just one click.
HDFC Freedom Credit Card Fees & Charges
- ₹ Joining/Renewal Membership Fee: ₹500 + Applicable Taxes
- ✔ Fee Waiver Offer: Spend over ₹50,000 in a year before your card renewal to get the annual fee waived.
HDFC Freedom Credit Card Reward Points Redemption
What is each Reward Point worth?
You can redeem your Reward Points across different categories at the following values:
- ✔ Product Catalogue: Up to ₹0.15 per point
- ✈️ Unified SmartBuy Portal (for Flight & Hotel bookings): ₹0.15 per point
- ₹ CashBack: ₹0.15 per point
- 🌍 Airmiles: 0.15 airmiles per point
What is the redemption limit?
Effective from 1st February 2026, you can redeem your reward points for these categories a maximum of 5 times per month on your credit card.
HDFC Freedom Credit Card Contactless Payments
The HDFC Bank Freedom Credit Card is enabled for Contactless Payments at retail stores.
- ✔ For a single transaction of up to ₹5,000, you can simply tap your card to pay without entering your PIN.
- ⚠ For any transaction where the amount is ₹5,000 or more, you must enter your Credit Card PIN to complete the payment for security verification.
How to Apply for the HDFC Freedom Credit Card
You can apply for the HDFC Freedom Credit Card easily through the following channels:
- 🌐 Online (Website): Click here to apply quickly and easily on our website.
- 🏦 NetBanking (for existing customers): If you already bank with us, simply log in to your NetBanking account and apply directly from the ‘Cards’ section.
- 📍 HDFC Bank Branch: If you prefer to apply in person, just visit your nearest HDFC Bank branch. Our staff will be happy to assist you with the entire process.
HDFC Freedom Credit Card Customer Care
If you’re traveling internationally, you can reach us at +912261606160
Imperia Account holders, Diners Black Credit Card members, and Infinia Credit Card customers can contact our dedicated support team at +912261717606
Our helpline number connects you to assistance for all your banking needs. You can manage your bank accounts, credit cards, loans, and Demat account services over the phone.
Only use the customer care numbers listed here, as they are the official contact numbers for HDFC Bank. Using any other numbers could expose you to potential fraud risks.
Note: Standard calling charges may apply based on your telecom service provider’s tariff plan.