HDFC Freedom Credit Card Review – limit, benefits, apply

HDFC Freedom Credit Card Review – If you are a newbie with Credit Lines, Credit Cards, And Cashback. Freedom cards could be one of the fantastic Cards for you. it is truly an entry-level credit card from HDFC Bank. it is especially for New Individuals who try to Create A Good Credit Score And Want a great card that offers to earn Cashback points on purchasing.

It offers a 0.99% Interest rate for the first 90 days which is impressive. moreover, it offers 5X Cashback Points on EMI spending And 10X CashPoints on your Few Popular Stores such as Big Basket, BookMyShow, OYO, Swiggy & Uber.

Cashbacks on Card

  1. Upto 10X CashPoints on your Preferred Stores such as Big Basket, BookMyShow, OYO, Swiggy & Uber
  2. Upto 5X Cashback Points ON EMI spends at merchant locations
  3. 1 Cashback Points on Each Spend upto ₹150 on All Other Offline Online Shopping
  4. 0.99% Interest rate for the first 90 days

Long Story Short, you will get 10x cashback on booking hotel rooms through OYO, Food Ordering on Swiggy, Taxi Booking, And Movie Booking. Therefore, it could be an awesome card for everyday Spends and Big Purchases.

Furthermore, it also provides additional features and benefits For Instance,

  • Welcome Benefit
  • Fuel Surcharge Waiver
  • Smart EMI
  • Revolving Credit
  • Contactless Payment
  • Renewal Fee Waiver Offer
  • 50 Days Interest-Free Credit Period
  • Zero lost Card liability

Through this article, we are going to share with you review information on HDFC Bank Freedom Credit Card. We may hope you get all details such as limit, benefits, Cashbacks, apply, eligibility, Lounge Access, And More.

The benefits And Review of the HDFC Freedom Card

Table of Content

Freedom Credit Card Quick Review & Highlight Factors

HDFC Freedom Credit Card
Credit Card TypeCashPoints Based True Entry-Level Card
Best SuitableNewbie, Self-Employed, Salaried Individuals
Card Benefits &
– 500 Cashback Points as a welcome/renewal benefit for applicant
– Contactless Payment Chip For Transactions
– 1% Refueling Surcharge waiver facility on All Fuel Stations of India
– Up To 15% Instant Discount at 2000+ premium restaurants in popular cities
Cash Backs– 10X Cashback Points on Popular online Businesses (on Big Basket, BookMyShow, OYO, Swiggy & Uber) (Max Limit on each month is 2,500 CashPoints only)
– 5X Cashback Points or Reward Points on  EMI spends (Maximum Limit on each month is 2,500 CashPoints)
– 1 Cashback Points On Other Purchases (Must Spend up to ₹150 To Get)
Interest rate offersAs a Benefit of card issuance, it offers a 0.99% Lower interest rate for the first 90 days on non-EMI spends
Renewal OfferAnnual membership fee waived off offer if you spend up to 50000 or more in the previous 12 months.

What Are The HDFC Bank Freedom Credit Card Offers And Benefits

HDFC Freedom Credit Card
image actual owner is HDFC BANK

HDFC Freedom Credit Card Review –This is one of the best Entry-Level Reward Points Based Cards for newbie individuals. it offers Direct 10X Cashback points on Big Basket, BookMyShow, OYO, Swiggy & Uber. moreover, on all other Offline/Online spends, it offers you to earn 1 Cashpoint on ₹150 or Up Transcations.

It also provides benefits on EMI Spends, you can earn upto 5X CashPoints. However, it has a Monthly Limit on Earning Cashback points, Therefore, you can earn upto a Maximum of 2,500 CashPoints each month.

You will get Total 50 Days Interest-Free Credit Period from the date of stuff purchase. you will get additional HDFC Bank Benefits, like –

  • Zero lost Card liability
  • Revolving Credit (nominal interest rate)
  • 1% Fuel Surcharge waiver
  • 15% Discount on Up To 2000 Best Dining Restaurants

Apart from Card Benefits, Let’s focus on Eligibility, which is available to apply for both Salaried or Self-Employed Individuals. it has just ₹12,000 Per month minimum income required to get this card. We recommended this card, because, it is a decent cashback-based entry-level credit card from HDFC Bank at a ₹500 Annual fee.

Discounts And Cashback

Contactless PaymentIt allows contactless payments in all retail outlets. (As per its RBI Rules, The maximum limit is ₹5000 per single transaction without inputting your 4 Digit PIN)
Restaurant Dining BenefitsAs a Restaurant Dining discount, 15% Discount on More than 2000 popular cities premium restaurants
Offline Cash Back1 Cashback point on per ₹150 or above transactions on all other category shopping (However, Excluding fuel, Wallet / Prepaid Card loads)
Interest-Free Credit PeriodUpto 50 Days

Short List of Card Features

Additional FeaturesDescription (Details)
Zero lost Card liabilityHDFC Bank 24-hour call center Instant Support
Smart EMIit mainly focuses to convert your big purchases into monthly simple EMIs
Set Card Control
Use MyCards Services For Mobile Users

How to Use Reward Points Redemption

The Primary Cardholder must have minimum CashPoints equivalent to ₹500 to convert or Redeem your total earned Cashback Points. HDFC offers several ways to convert your cashback points. the most popular is redeemed against the statement balance. moreover, you can redeem the points for travel benefits such as Hotel/Flight ticket booking through HDFC SmartBuy App. You can visit HDFC Bank’s official website, you have to log in to internet banking and go to the Reward Points Redemption program portal to redeem your cashback points into Real Cashback, Airmiles, And Product Catalogue. Below, we mention all Values of Your Earned Cashback points. Check it out –

  • Product Catalogue – 1 Cashback Point = ₹0.15 
  • Redemption on statement balance – 1 CashPoint = ₹0.15
  • SmartBuy Rewards Portal (Flight & Hotel bookings) – 1 CashPoint = ₹0.15 
  • Airmiles – 1 CashPoint = ₹0.15 
  • True Cashback – 1 Cashback Point = ₹0.15 

The Total Vadility of your Cashback points in the last 2 years. in simple words, if you earned cashback points in august 2021, they will last on August 2023.

What Are Card Charges and Fees

List of ChargesOverview
Welcome Benefits500 CashPoints (Applicable only applicants who pay membership charge)
Yearly Membership Fee₹500 (membership fee will be waived off, if you spend ₹50k or above on the Previous Year)
Joining Charges₹500
Finance Fees(Interest) 3.6% Each Month will be 43.2% Per Year
Late Payment Fee₹100 To ₹1300 Depending on the Due Amount
Add-on cardsFree
How to Redeem HDFC Freedom Credit Card Points– SmartBuy Rewards Portal
– Net Banking login
– Phone Banking
– Physical redemption form
Reward ValidityOnly Valid For 2 Years

What Are the Eligibility Criteria For Freedom Credit Card HDFC?

To Get This Card, you must have all the required Eligibility Criteria. You must hold Indian member citizenship. few documents to verify your Identity, Address, and Income Proof to be fully eligible for the card. As I Already Said, Both Salaried And Self-Employed Are eligible to get this Card. Also, You must have a Good Credit Score Upto 750 And Stable Income Sources. The minimum income required is 12000 per month.

Salaried Applicants

Salaried Person Eligibility CriteriaOverview
Your Age Must Be21 Years To Max 60 Year Applicant
The minimum Salary Must be₹12,000 And Up
Credit Score750 And Up

Self-Employed Applicants

Self-Employed Eligibility CriteriaOverview
Your Age Must Be21 Years To Max 65 Year Applicant
Minimum Annual ITR OR Income₹6 Lakhs ITR
Credit Score750 And Up

The Necessary Proof Documents are required is – Adhaar Card, PAN Card, Income Proof, And Address Proof.

hdfc moneyback plus credit card Eligibility
hdfc Freedom credit card Eligibility


What is HDFC Freedom Credit Card?

Freedom Credit Card is a cashback points-based New Entry-Level Card Issued By HDFC Bank. it mainly focuses on beginner individuals who have a minimum salary of Around ₹12,000 and more. it provides upto 10X Cashback Points on Several Stores such as Big Basket, BookMyShow, OYO, Swiggy & Uber. Moreover, it offers 5X Reward Points on EMI Purchases too.

What Is the HDFC Bank Freedom Credit Card Customer Care Number?

As Per HDFC Bank’s official Site, you can call its customer care helpline number 1860 267 6161 to solve your queries related to credit cards and more.

Other One of The Best Credit Cards By HDFC Bank

ListHDFC Bank Credit Cards List
1HDFC Business Moneyback Credit Card Review – Benefits, Features
2HDFC Millennia Credit Card Review – Benefits, Limit, Charges
3Paytm HDFC Bank Credit Card Review – Charges, Apply
4HDFC Business Regalia Credit Card Review – Benefits, Annual Fee, limit
5HDFC Regalia Credit Card Review – Benefits, Charges, Apply
6MoneyBack Credit Card By HDFC Review – Benefits, charges, Eligibility

We hope you will find your all answers in this HDFC Freedom Credit Card Review. Do share with your friends and family. if you have any queries about Credit Cards, Ask Us to Comment Us.

Show full profile


Naman Parmar professionally known as Nanne Parmar is an Indian Internet entrepreneur, financial expert, referencing expert, and investor. He’s the man who started NE Factory And PriceMint. He has more than four years of experience in the financial technology industry.

We will be happy to hear your thoughts

Leave a reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Ads Blocker Image Powered by Code Help Pro

Ads Blocker Detected!!!

We have detected that you are using extensions to block ads. Please support us by disabling these ads blocker.

close button