Credit card

HDFC Bank Freedom Credit Card

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MASTERCARD

Apply for HDFC Bank Freedom Credit Card

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Credit card HDFC Bank Mastercard

Card review

HDFC Bank Freedom Credit Card

3.8 7.6/10 DebitCue Score Verified Jun 20, 2026

Low-fee starter card with 10x rewards on daily lifestyle spends

Fee: ₹500 INR/yr (≈ $6); Waived on ₹50,000 annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

10x CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints/month); 1 CashPoint per ₹200 on all other spends; 1 CashPoint = ₹0.15

Welcome offer

500 CashPoints on card activation

Our verdict

What stands out, and where it falls short.

What we like

10x CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max…
Welcome bonus
50-day interest-free period

Worth weighing

₹500 INR/yr (≈ $6) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HDFC Bank Freedom Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹500 INR/yr (≈ $6) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹500 INR/yr (≈ $6)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)
Introductory Rate (first 90 days): 0.99% per month on retail purchases

Rewards and features

Rewards: 10x CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints/month); 1 CashPoint per ₹200 on all other spends; 1 CashPoint = ₹0.15
Welcome offer: 500 CashPoints on card activation
Pay with: Contactless
Fuel Surcharge Waiver: 1% waiver on ₹400–₹5,000 fuel transactions; max ₹250/cycle

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹12,000/month

HDFC Bank Freedom Credit Card: your questions answered

How much does the HDFC Bank Freedom Credit Card cost?

The HDFC Bank Freedom Credit Card costs ₹500 INR/yr (≈ $6). Waived on ₹50,000 annual spend.

What rewards does the HDFC Bank Freedom Credit Card earn?

The HDFC Bank Freedom Credit Card earns 10x CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints/month); 1 CashPoint per ₹200 on all other spends; 1 CashPoint = ₹0.15.

Does the HDFC Bank Freedom Credit Card charge foreign transaction fees?

Yes - the HDFC Bank Freedom Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the HDFC Bank Freedom Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card has a purchase APR of from 45%.

Does the HDFC Bank Freedom Credit Card have a welcome offer?

Yes - 500 CashPoints on card activation.

Is the HDFC Bank Freedom Credit Card a credit, debit or prepaid card?

The HDFC Bank Freedom Credit Card is a credit card issued by HDFC Bank on the Mastercard network.

Does the HDFC Bank Freedom Credit Card support Apple Pay and Google Pay?

The HDFC Bank Freedom Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank Freedom Credit Card?

The HDFC Bank Freedom Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank Freedom Credit Card?

DebitCue rates the HDFC Bank Freedom Credit Card 3.8 out of 5 (7.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.