The Freedom card by the bank is a rewards credit card which offers you a wide range of benefits and features. The credit card offers you with reward points on every purchase you make along with accelerated points on your birthday spends, PayZapp spends and others as well. Apart from this, with the Freedom card, you also will receive benefits from various other categories such as fuel, insurance, etc.
Enjoy 5X reward points on your dining, grocery, railway bookings, taxi bookings, and movie spends.
Make the most of your birthday with 25X reward points on your expenses made with the card.
On your purchases made on PayZapp and SmartBUY, get 10X reward points.
Gift voucher of Rs.1,000 on spending more than Rs.90,000 in a year.
Renewal fee is waived off is annual spends is more than Rs.50,000
Interest-free period of up to 50 days.
Features and Benefits of the Freedom Credit Card
Reward Point Benefits
A welcome benefit of 500 reward points.
On your birthday spends, get 25X reward points.
Enjoy 5X reward points movies, grocery spends, dining, taxis, and railway spends with your credit card.
On your purchases made on PayZapp and SmartBUY, get 10X reward points.
On paying the renewal fee, get 500 reward points as a renewal bonus.
Annual and Renewal Benefits
On spending Rs.90,000 in a year, get a gift voucher worth Rs.1,000.
Membership fee for the next year is waived off if Rs.60,000 is spent in the year on your card.
Fuel surcharge of 1% will be waived on your fuel purchases ranging between Rs.400 and Rs.5,000, capped at 250 per statement cycle.
HDFC Bank Freedom Credit Card Limit
The credit limit of the HDFC Freedom card is completely at the discretion of the bank. The bank takes certain factors into consideration before assigning a credit limit. The credit score of the applicant, the credit report is checked along with repayment habits of past and ongoing loans are also taken into consideration.
Reward Point Benefits of the HDFC Bank Freedom Credit Card
With every Rs.150 spent, get 1 reward point.
Get 25X reward points on all your birthday spends.
On movies, dining, groceries, railways and taxi bookings, get accelerated reward points of 5X.
10X reward points will be given on purchases made on PayZapp and SmartBUY.
On paying your renewal fee, get a bonus of 500 reward points.
A welcome benefit of 500 points on paying your annual fee.
How to redeem reward points earned on the HDFC Bank Freedom Credit Card?
You can redeem reward points through offline or online methods. If you wish to do so offline, you will need to download the rewards redemption form from the HDFC Bank website. The details will need to be filled and sent to the following address:
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.
You can also log in to your Net banking account and redeem your reward points online as well. To do so, here are the steps you need to follow:
Log in to your HDFC Bank net banking account.
Click on the 'credit cards' tab.
Register your card and then click on the 'redeem reward points' and select 'continue'.
The website will then redirect you to the rewards redemption page.
Select 'Redeem Reward Points'.
Click on the category of the item you need.
After doing so, choose the points range to check the various products.
You can select the items and add them to the cart for purchase.
After you have chosen the products, click on 'view your shopping cart'.
You will need to read the terms and condition and check the box.
Once done, click on 'redeem'. The redemption order number which is given must be noted down for future references.
Fees and Charges on the HDFC Bank Freedom Credit Card
Type of Charge
Up to 50 days
Minimum repayment amount
5% or a minimum of Rs.200
Charges on revolving credit
3.49% per month
Cash advance limit
40% of the credit limit
Late payment charges
If the statement balance is less than Rs.100 - Nil
Balance between Rs.100 and Rs.500 - Rs.100
Balance between Rs.500 and Rs.5,000 - Rs.500
Balance between Rs.5,001 and Rs.10,000 - Rs.600
Balance between Rs.10,001 and Rs.25,000 - Rs.800
More than Rs.25,000 - Rs.950
Additional card fee
Payment return charges
2% of the payment amount subjected to a minimum of Rs.450.
Rewards redemption fee
Rs.99 per redemption request
Charges on over limit account
2.5% of the over limit amount subjected to a minimum of Rs.500
Cash advance charges
2.5% of the amount withdrawn or Rs.500, whichever is higher
Balance transfer processing charges
1% of the balance transfer amount or Rs.250. The higher amount will be taken.
Outstation cheque processing charges
Cheque value of up to Rs.5,000 - Rs.25
Cheque value of more than Rs.5,000 - Rs.50
Cash processing fee
Reissue of a stolen, lost or damaged card
Railway ticket purchase fee
1.8% of the transaction amount + GST
Foreign currency transactions
Fuel transaction charges
Rs.250 per statement cycle will be waived off
Eligibility Criteria for the HDFC Bank Freedom Credit Card
If the primary cardholder is a salaried individual, he or she must be between the age of 21 years and 60 years. His or her gross monthly income must be more than Rs.12,000.
If the applicant is a self-employed individual, he or she must be between the ages of 21 years and 65 years. His or her income tax returns must be greater than Rs.2 lakh per annum.
The primary applicant must be a resident or a non-resident of India.
The add-on cardholder must be at least 15 years of age.
Documents required for applying for the HDFC Bank Freedom Credit Card
Copy of Form 60 and PAN card.
Duly filled application form
Proof of income which can include a copy of your Form 16, latest salary slips or IT returns.
2 passport-sized coloured photographs.
Address proof which should include PAN card, Passport, Aadhaar card or a copy of your electricity bill.
An identity proof which includes Aadhaar card, PAN card or driving license.
HDFC Bank Freedom Credit Card FAQs
How secure is the HDFC Freedom card?
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.
How to redeem accumulated reward points?
The accumulated reward points can be redeemed for both cash and rewards. You can fill the request form available at the form center 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.
Can I get an add-on card?
Yes, cardholders can apply for a supplementary card with the Freedom card. The applicants should be either parents, spouse, children or siblings of the primary cardholder. Children and siblings applying for the add-on card should be above 18 years of age.
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I have HDFC Bank credit card which was taken through Bank.I am getting discounts on pizza hut and also getting movie ticket offers.I am using this credit card for the past 1.5 years ,There are cash back offers as well as reward points .This was a freedom card and so far satisfied with the service.
I have HDFC Bank credit card which was offered by Bank.I am using this credit card for the past 3 years only .This was a freedom card and the rate of interest was very high since have salary account i have got this credit card on a paperless approval . Based on my experience the service was very average.
I have HDFC credit card which was taken through Bank directly .I am using freedom card for the past 2 to 3 years and satisfied with the credit limit .This was a life time free card and without any hassle got this credit card .I am not having any extra benefits on this credit card .
I have HDC Bank credit card which was taken through Bank directly.I am using this credit card for the past 2 years .This was a freedom card and there are very cash back offers as well as reward points .There are fuel benefits which is very useful ,I have submitted the required documents for this credit card.
HDFC bank has offered a credit card. Since I hold a saving account with them. They have sent the card to my residential address within 5 days. They have provided me a good credit limit. Annual charges is there if i spend some amount charges will waived off. I am using this card for a long time and it doesn't have such benefits.
I have HDFC Bank credit card which was taken through bank directly. I am using this card for past 4 to 5 years .This was a life time free card and got good reward points as well as cash back offers. I am satisfied with the service so far. This was a freedom card and good to use .
I have HDFC Bank Freedom card which was taken through Bank only.I am using this credit card for the past 1 year and this was a paperless approval since have salary account .This card is good to use.This card is pretty good to use and everything is good to me so far .