Credit Card Compare

HDFC Bank Freedom Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹500
Annual fee
500
Bonus points

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Application

CardIQ

30Basic

Basic

Overall score, out of 100 · How this works

  • Rewards36
  • Sign-up bonus24

Customer reviews

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Pros & cons

What's good

  • 500 bonus points to start, worth around ₹250 at our ₹0.5-per-point valuation.
  • Earns 10 CashPoints per ₹200 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • ₹500 + applicable taxes. First year fee same as renewal fee. Renewal fee waived on spend of ₹50,000 or above in an annual year. Tax (GST) not included in stated fee amount.
  • Earns 1 CashPoint per ₹200 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹1,44,000 a year.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HDFC Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹1,44,000 p.a.
Residency
Indian nationality
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD = Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount* (if any)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 CashPoint per ₹200
Bonus categories
10 CashPoints per ₹200 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Unredeemed CashPoints will expire/lapse after 2 years of accumulation

Sign-up bonus

Bonus spend required
—
Sign-up bonus
500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹500 a yearBetter than most (35th of 91 cards)
Rewards value₹1,350 a yearNot as good as most cards (42nd of 61 cards)
Sign-up bonus₹250Not as good as most cards (29th of 37 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank