HDFC Bank Freedom credit card

HDFC Freedom Credit Card

The HDFC Bank Freedom credit card rewards you for everyday purchases. Earn extra points on things you already buy, like groceries, movies, and dining out. You also get bonus reward points on your birthday! This card has no annual fee if you spend enough each year. Build your credit score while enjoying cashback benefits.

Top Benefits

Welcome Benefit

  • Receive a bonus of 500 reward points
  • Applicable only on payment of the membership fee

Fuel Surcharge Waiver

  • Enjoy a 1% fuel surcharge waiver on fuel transactions.
  • A minimum transaction of ₹400 is required.
  • The maximum transaction limit is ₹5,000.
  • The maximum waiver per statement cycle is ₹250.

Savings on Dining

  • Enjoy dining benefits with the Good Food Trail program.
  • Save up to 20% on restaurant bills via Swiggy Dineout. 1Get Cashbacks on paying your bill via Dineout Pay Website: Dineout Category: Citation
  • Offer valid only on payments made through the Swiggy App.

Contactless Payment

  • It allows contactless payments in all retail outlets
  • Look for the contactless network symbol on your card.
  • In India, you can make contactless payments of up to ₹5000 per transaction without entering your PIN.
  • For amounts equal to or higher than ₹5000, enter your PIN for security.

Zero lost Card liability

  • If you lose your Freedom Credit Card, report it immediately to our 24-hour call centre.
  • You won’t be responsible for any fraudulent transactions made on your card.

Interest-Free Credit Period

  • Get up to 50 days without interest.
  • Starts from your purchase date.
  • Depends on when the merchant submits charges.

Annual Fee Waiver

  • Have your renewal fee waived by spending ₹50,000 in a year.

Revolving Credit

  • Enjoy the option to carry a balance on your Card.
  • A nominal interest rate applies.

Set Card Control

  • Use the HDFC Mycards app to control and set the limit of your card by using Mobile.

SmartEMI Feature

  • The convenience of Smart EMI for converting big purchases into 3/36 Monthly payments.

Reward Points

  • Earn 10X CashPoints on favorite merchants like Big Basket, BookMyShow, OYO, Swiggy & Uber.
  • Up to 2,500 CashPoints monthly. 2Credit Card Product Reward PDF Website: HDFC Bank Category: PDF
  • Get 5X CashPoints on EMI spends at merchant locations
  • Receive 1 Cashback Point for every spend up to ₹150 on all other online/offline shopping
  • excluding fuel, wallet/prepaid card loads, or voucher purchases
  • Rupay Credit Cardholders earn 1 RP for every Rs.150 spent on UPI transactions
  • capped at 500 reward points monthly on UPI
  • Reward points for grocery transactions are capped at 1,000 per month

How to Redeem HDFC Bank Freedom Credit Card

  1. You must have a minimum of ₹500 CashPoints to start.
  2. Log in to HDFC Internet banking.
  3. Navigate to the Reward Points program portal.
  4. Select your preferred redemption option, such as statement balance or travel benefits.
  5. If redeeming for travel, use the HDFC SmartBuy App for flight or hotel bookings.
  6. Check the value of your CashPoints: 1 point = ₹0.15 for various redemption options.
  7. Choose the desired redemption option based on your preference.
  8. Confirm the redemption details
  9. and complete the process.
  10. The redeemed value will be credited accordingly.
  11. The Total Vadility of your Cashback points in the last 2 years

Value of Reward Points

  • 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 

HDFC Freedom credit card Charges

ListOverview
Annual Charges₹500
Joining Charges₹500
TaxesGST Applicable
Interest Fees3.6% per month, Equal to 43.2% per year
Late Payment Fee₹100 to ₹1300 depending on the due amount
Add-on cardsFree
Reward ValidityValid for 2 years
Foreign Currency Markup3.5%
Redeem ChargesRs. 99

Eligibility Criteria

  • Indian citizenship.
  • Both salaried and self-employed individuals are eligible.
  • Minimum income requirement of ₹12,000 per month.
  • Good credit score up to 750.
  • Stable income sources are essential.

Document

Identity proof:

  1. Aadhar card
  2. Passport
  3. Voter ID card

Address proof:

  1. Utility bill (electricity, water, gas)
  2. Rental agreement
  3. Bank statement

Income proof documents:

  1. Salary slips
  2. Income tax returns
  3. Bank statements

How to Apply HDFC Freedom Credit Card Online

  1. Ensure you have a stable internet connection
  2. A smartphone with a good camera.
  3. Keep your original PAN card.
  4. Have a blank white sheet of paper and a black or blue pen ready.
  5. Visit the HDFC Bank website.
  6. Navigate to the ‘Credit Cards’ section
  7. and select ‘Apply for a Credit Card’.
  8. Choose the ‘HDFC Freedom Credit Card‘.
  9. Click on ‘Apply Now’.
  10. Fill out the online application form with your details.
  11. Opt for ‘Video KYC’ during the application process.
  12. After submission, wait for the SMS or email containing the Video KYC link.
  13. Click on the link and grant the necessary permissions.
  14. Connect with an HDFC Bank representative via video call.
  15. Follow the representative’s instructions.
  16. Hold your PAN card next to your face for verification.
  17. Display the blank white sheet of paper and sign it on camera.
  18. Take a clear picture of yourself.
  19. Await HDFC Bank’s review of your application and documents.
  20. You’ll receive a decision notification via SMS or email.
  21. If approved, expect your credit card within 7-10 business days.

FAQs

  • What Is the Freedom Credit Card Customer Care Number?

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

  • Does the HDFC Freedom Credit Card offer complimentary airport lounge access?

    No, unfortunately, the Freedom Credit Card does not offer complimentary airport lounge access, neither domestic nor international.

  • What is the credit limit range for the HDFC Freedom Credit Card?

    HDFC Bank doesn’t publicly disclose the specific credit limit range for the Credit Card. The credit limit depends on individual factors such as income, credit score, and employment history, and is determined through an internal assessment process by HDFC Bank.

  • What is the starting limit for the Freedom Credit Card?

    The starting credit limit for the Credit Card may vary, but it’s typically on the lower end compared to premium cards.

  • Can I increase my credit limit if I have a low starting limit?

    Yes, you can request a credit limit increase with HDFC Bank, especially if your financial situation improves over time. However, the approval is subject to bank’s policies and your creditworthiness.

Article References

Nanne Parmar
Pricemint
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