Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Business Freedom Credit Card

    The Business Freedom Credit Card by HDFC Bank offers a wide range of benefits to the cardholder across various categories. The credit card comes with an annual fee of Rs.500 and an interest rate of 3.49% per month.

    Key Highlights of HDFC Business Freedom Credit Card

    • Get reward points on purchases above Rs.150.
    • 5% cashback on movie tickets, dining, utility bill payments, departmental store spends.
    • Fuel surcharge waiver.
    • Interest-free credit period of up to 50 days.

    Features and Benefits of HDFC Business Freedom Credit Card

    Reward Point Benefits For every Rs.150 spent on the card, you will receive reward points.
    Cashback Benefits 5% cashback on spends on departmental store, movie ticket purchases, dining spends, utility bill payments.
    Fuel Surcharge Benefits With the waiver, save up to Rs.250 on fuel transactions.
    Other Benefits Interest-free credit period of up to 50 days.

    HDFC Business Freedom Credit Card Limit

    The credit limit for the Business Freedom Credit Card is assigned by the bank. HDFC Bank takes several factors such as the credit score, credit report, and the credit utilisation ratio of the applicant before assigning the credit limit.

    HDFC Business Freedom Credit Card Fees and Charges

    Type of Charge Fees
    Annual fee Rs.500
    Interest-free credit period Up to 50 days
    Cash advance limit 40% of the credit limit
    Interest rate 3.49% per month
    Cash advance charges 2.5% of amount withdrawn or Rs.500 (higher amount will be taken)
    Cash processing fee Rs.100

    Eligibility Criteria for HDFC Business Freedom Credit Card

    Nationality He or she must be a citizen of India.
    Age The applicant must be at least 18 years old.
    Employment status The applicant must be either salaried or self-employed
    Credit Score The applicants who hold a good credit score have a higher chance of being eligible for the card.

    Documents Required for HDFC Business Freedom Credit Card

    Identity Proof Income Proof Proof of Address
    Voter ID Salary Slip Ration Card
    Aadhaar Card Form 16 Aadhaar Card
    Driving License IT Returns Voter ID
    - - Passport

    How to Apply for HDFC Business Freedom Credit Card

    To apply for the Business Freedom Credit Card, the steps you need to follow are:

    • Step 1: Visit the official website of the HDFC Bank at
    • Step 2: Select the option of ‘credit cards’.
    • Step 3: Click on Business Freedom Credit Card.
    • Step 4: Select the option of ‘apply online’.
    • Step 5: Once done, submit the details required.
    • Step 6: Click on submit. A representative from the bank will then get in touch with you.

    FAQs on HDFC Business Freedom Credit Card

    1. How much do I need to spend to get a waiver on my next year annual membership?

      If you spend a total of Rs.20,000 annually, then you will get a waiver on your next year annual membership.

    2. What is the interest rate charged by the bank on this credit card in case I delay the payment of my outstanding bill amount?

      The lender will charge an interest of 3.49% per month on your outstanding credit card bill. Hence, in order to avoid this, pay your bill on time.

    3. Can I apply for this credit card offline?

      Yes, you can visit the nearest HDFC bank branch along with all the necessary documents to apply for this credit card. A representative from the bank will get in touch with you and will help you with the application process. You need to fill the application form and submit it along with the necessary documents.

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