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.

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.

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.

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.

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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Cash advance charges	2.5% of amount withdrawn or Rs.500 (higher amount will be taken)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.

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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 hdfcbank.com.
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.

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

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FAQs on HDFC Business Freedom Credit Card

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.
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.
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.

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