Lifetime Free
HDFC Freedom Credit Card
Offered by HDFC Bank
HDFC BANK
SELECT
Cardholder
Book My Policy USER
VISA
Joining Fee
₹0
Annual Fee
LIFETIME FREE
Min. Income Req.
₹25,000 / Month
Card Rating
4.1 / 5
Card Features & Reward Rates
Lifetime free card, 10X CashPoints at select partners, free movie ticket on spends.
Eligibility Criteria
- Employment Status: Salaried employee or self-employed businessman.
- Age: Between 21 and 60 years.
- Minimum Monthly Income: ₹25,000 (Net credit in bank account).
- Credit History: Strong Credit/CIBIL Score (preferably 750+).
Documents Required for Verification
- Identity Proof: PAN Card (Mandatory), Aadhaar Card, Passport, or DL.
- Address Proof: Utility Bill (last 2 months), Bank Statement, or Passport.
- Income Proof: 3 months Salary Slips + 6 months Bank Statements (for salaried); Last 2 years ITR audited (for self-employed).
Fees & Charges
| Joining Fee | ₹0 |
| Annual Membership Fee | ₹0 (Waived off on spending ₹1 Lakh in a year) |
| Finance Charges (Interest Rate) | 3.5% per month (42% per annum) |
| Cash Advance Fee | 2.5% of the transaction value or ₹500 (whichever is higher) |