Joining Fee:
Apply Now₹500 +GST
Return Percentage:0.5% to 2%
Credit Card Overview
A popular lifestyle card offering cashback on dining, groceries, and movies, with milestone vouchers and redemption flexibility for everyday users.
Best Suited For: Cashback, Catalogue Products
HDFCFees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 0.5% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Freedom credit card — Lounge Access
No airport lounge access on this card
Lounge access is usually reserved for cards with an annual fee.
See cards that include lounge access