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

    HDFC Freedom Credit Card is a cashback credit card offered by HDFC. Customers can enjoy accelerated reward points on regular as well as exclusive purchases. The same points can be redeemed for cash or to purchase products from the HDFC’s rewards catalogue.

    Other benefits offered by the card include fuel surcharge waiver, zero liability on lost card, interest free credit and other exclusive offers that get added as and when introduced.

    The card has been recently upgraded with new features and benefits to attract new customers. Existing customers, who availed the cards on or before 7 December 2017, will, however, continue to have old features and benefits till 9 February 2018 and from 10 February 2018 they can enjoy new features.

    HDFC Freedom Credit Card Features

    Here Are Some Of The Features That Are Associated With It:

    • Reward points programme: The Freedom Credit Card rewards points programme is one of the interesting features to know. Unlike regular credit cards, which offer accelerated rewards on a few purchases, the Freedom Credit Card offers accelerated benefits on multiple spends.
      • As a welcome gift, the card offers 500 reward points for free. The points will be credited after the payment off joining fee.
      • For every Rs.150 spent on the card, one reward point can be earned with a maximum 1500 reward points capped per statement cycle
      • Reward points will be multiplied five times for spends on dining, movies, groceries, railway tickets, bill payments, and taxis. That is for every Rs.150 spent on the card, users can earn 5 reward points.
      • For spends using HDFC mobile apps such as PayZapp and Smart Buy there will be 10X more reward points.
      • For spends on cardholder’s birthday, as registered with the bank, the reward points will be multiplied 25 times irrespective of the spending. However, there is a maximum limit of 3,000 reward points.

    The accrued reward points will get added in the next statement. Card holders can redeem the points for cash that is for every 100 points they can earn Rs.1 or purchase something from the rewards catalogue, where 100 points can be exchanged for Rs.15.

    Cashback for the reward points will be credited in the multiples of Rs.500.

    • Credit and cash limit: The credit limit as well as the cash limit on the Freedom card will be determined by the bank based on the customer’s profile hence may vary for each member.

    The limits will be communicated to the customers at the time of card delivery and the same will be mentioned in all the monthly statements. The cash advance limit on the card is typically 40% of the credit limit.

    The limits are subject to revision based on the card usage. The bank may, however, inform any change in the credit limit immediately along with the reason through an SMS or e-mail followed by a written confirmation.

    • Fuel surcharge waiver: The 1% fuel surcharge, which is typically levied on petrol/diesel transactions using credit card, will be waived for the card users for a minimum purchase of Rs.400. The maximum waiver is, however, limited to Rs.250 per statement cycle.
    • Zero liability on lost card: In case of lost or stolen card, users should report the same to the HDFC 24x7 customer call centre within 24 hours of the incident. The customer is not liable for any fraudulent transaction happened after reporting the loss as the card is covered under zero liability.
    • Interest free period: The card offers an interest free period of 50 days from the date of purchase. Once the period is over, it starts levying the interest on the revolving credit basis on all the pending dues.

    If the card offers cash advance feature, there will be no interest free period for the transaction and the interest will be levied from the date of withdrawal till the payment is made in full.

    • Other benefits: A gift voucher worth Rs.1000 on annual spends of Rs.90,000 and higher will be provided in the subsequent year. The renewal fee will be waived if the previous year’s spend on the card is Rs.60,000.

    HDFC Freedom Credit Card Fees and Charges

    Annual and renewal fee: The annual fee and renewal fee for the Freedom card is different for each card member and will be communicated at the time of applying for the card. The minimum annual/renewal fee for HDFC Freedom card is typically Rs.500.

    Cash advance fee: The cash advance fee of 2.5% of the transaction amount will be levied for every ATM withdrawal using the card, provided the card offers the cash advance facility.

    Finance charges: Finance charges are applicable only when the cardholder chooses not to pay the outstanding due in full and on all the cash withdrawals without any interest-free period.

    The charges will be debited from the cardholder’s account till the outstanding is paid in full. In case, the customer carries forward any payment, finance charge will be calculated by average daily balance method and the same will be applied to the carried forward balance as well as to the fresh billing.

    Late Payment Charges: If minimum amount due on the card is not paid by the due date, late payment charges will be applicable based on the bill amount as follows:

    Statement Balance Late Payment Fee
    Less than Rs.100 NIL
    Rs.100 to Rs.500 Rs.100
    Rs.501 to Rs.5000 Rs.400
    Rs.5001 to Rs.10000 Rs.500
    Rs.10001 and above Rs.750

    Over limit charges: If the usage on the cash exceeds the credit limit, over limit charges of 2.5% of the over limit amount will be applied.

    Other charges:

    Charge/Fee Type Amount of Charge/Fee
    Payment return charges 2% of payment amount (Min. of Rs.450)
    Cash processing fee Rs.100
    Rewards redemption fee Rs.99 per redemption request
    Balance transfer processing charges 2% of balance transfer amount or Rs.250, whichever is higher
    Railway ticket purchase fee 1.8% of the transaction amount + GST
    Reissue of lost, stolen or damaged card Rs.100
    Outstation cheque processing charge Cheque value up to Rs.5,000 - Rs.25 Cheque value above Rs.5,000 - Rs.50
    Foreign currency transactions Bank charges cross currency mark-up of 3.5%

    Eligibility For HDFC Freedom Cash Back Credit Card

    • For salaried customers, there should be a minimum age of 21 years and a maximum of 60 years and have a gross monthly income of more than Rs.12,000
    • For self-employed, the minimum age is 21 and the maximum is 65 years and the annual income as per income tax returns should be more than Rs.2 lakh p.a.

    HDFC Freedom Card Faqs:

    1. How secure is the HDFC Freedom card?
    2. The HDFC Freedom card comes with chip card technology that makes tampering or copying the card impossible. Further, the technology makes it easy to make point of sale (POS) transactions with the card. Users just need to dip the card at chip-enabled POS terminals while they can swipe as usual at non-chip based terminals.

    3. How to redeem accumulated reward points?
    4. The accumulated reward points can be redeemed for both cash and rewards. You can fill the request form available at the form centre and send it to HDFC Chennai address.

      Alternatively, requests can also be made through net banking. The cash redemption option is available under ‘Cards > Enquire > Redeem Reward Points > Cash Redemption’ in the net banking account.

    5. Can I get an add-on card?
    6. Yes, card holders can apply for a supplementary card with the Freedom card. The applicants should be either parents, spouse, children or sibling of the primary card holder. Children and siblings applying for the add-on card should be above 18 years of age.

      

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    HDFC Freedom Cash Back Credit Card Reviews

    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      It is a fine experience with HDFC Bank. I received the credit card on time. There are cash back offers and the deals are good. The credit limit is fine. The charges are normal for the credit card. The customer support and response is good and on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have started using HDFC bank credit card for recently, they have charged me annual fee but waived off option is available, the credit limit which they have given to me too high based on my requirement i need to less the limit,the reason for choosing this bank is for their offers they use to give good offers in shopping and airport lounge.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFc credit card from long time, They have not charged me annual fee in this card, i am happy with the credit limit which they have given to me, their mobile application is good, they use to give good offers if i shop through on line, their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have one credit card from HDFC bank last three years , and this is free card no need any charges here , rewards point offer in this card and I have been redeem my rewards point , and I am satisfied with credit limit after one and half years my credit limit is increase ,
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      It has been four years since i am using the HDFC BANK CREDIT CARD, they had been providing a better service so far. The credit limit with the card comes around 1,50,000 and there has also been some added benefits with this card like reward point benefits. There is some annual charges of 500 with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card for the reward points"
      0.5 5.0/5 "Blown Away!"
      I have Hdfc money credit card around one year, the card is good they are providing bonus points on the spend. The billing cycle is good and they are providing the reminder msg or calls before the due date. I used to get the soft copy statement on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I wanted a life time free card with HDFC Bank and I got a card with a annual fee of 500. If I use the card for 50K to a Lakh in a year the fee is waived off. I got a money back credit card. The best is the cash back. I also get points which can be converted to cash. The credit limit is good. There is no mobile application for credit card and that is the minus point.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good for online transactions"
      0.5 3.0/5 "Satisfactory"
      I hold a Platinum credit card and am using with HDFC for past three years. I did not get any special benefits on the card. The credit limit is too low and they provided me based on my profile which was not enhanced till now. There is no annual charges. I have been using the card for multi purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Most reputed credit card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for the past 3. 5 years . HDFC has more tie up with online vendors like Amazon , flip kart, Swiggy , Etc . So they provide offers on the continuously for the card holders . There card has more advantage in comparing to other cards .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Need improvement"
      0.5 2.0/5 "Expected more"
      HDFC Bank has degraded my credit card and I had a lot of options earlier on this card. Now I do not get any benefits. There are no movie tickets, the point value has reduced, it was one rupee earlier and now it is .25. Most of all they charge Rs. 400 even if the payment is an hour late.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For HDFC credit card its an average card, i used get 4 rewards points apart this for book my show got 750 vouchers and big basket 750 vouchers and also i can able to redeem for 6000 rupees for gold purchase,but customer service not responding properly.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "NOT SATISFIED WITH THE SERVICES OF THE CUSTOMER SUPPORT EXIC"
      0.5 1.0/5 "Really Bad"
      The process in getting my HDFC BUSINESS MONEYBACK was fine and the card was delivered to me within the promised time. But after receiving the card it has not been a good experience, the customer support is the bridge between the bank and the customer where the services from their end has not been good. Other than that everything had been fine with them like the credit limit as well.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Never approached me"
      0.5 3.0/5 "Satisfactory"
      I am closely in touch with HDFC customer service for the past one year . I trusted them and taken a credit card from them, But till now they have not approached me for credit limit enhancement . They are having very good offers online and nice discounts for their cards but they need to increase the credit limit on a regular basis .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a life time free money back credit card and the customer services are good. They also provide me with good offers on Amazon and Flipkart. The credit limit is good. It is a smooth process while using the card, I never faced any hassles in the overall process.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card from long time, They have been charging annual fee in this card,but waived off option available,like if i spend certain amount then annual fee will get waived off, i am happy with the credit limit which they have given to me.they use to give good offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Lot of confusion in delivering the card"
      0.5 3.0/5 "Satisfactory"
      There was so much mess with a HDFC credit card . Because when I applied for my HDFC credit card , I changed my location . So the card has been delivered to my old address and card has been returned to the branch . Then once again I requested for redelivering and same thing happened . At last I said to deliver the card to my office address .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I took my HDFC bank credit card this is chargeable card , I am satisfied with credit limit and their customer service is good and response is also good , and here rewards point offer available , I did not use much more still recently I got this credit card ,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
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