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  • HDFC Bank Freedom Credit Card

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  • We found 1 HDFC Bank Freedom Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If CASA account is opened 500
    No Income Docs Needed
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    Fee Details

    Key Highlights of the Freedom Credit Card

    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 Benefits

    • 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:

    Rewards Helpdesk,

    HDFC Bank Cards Division,

    P.O. Box No. 8654,

    Thiruvanmiyur, P.O.,

    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 Amount
    Annual fee Rs.500
    Interest-free period 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 Free
    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 Rs.100
    Reissue of a stolen, lost or damaged card Rs.100
    Railway ticket purchase fee 1.8% of the transaction amount + GST
    Foreign currency transactions 3.5%
    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

    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 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.

    5. Can I get an add-on card?
    6. 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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    HDFC Bank Freedom Credit Card Reviews

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