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Key Highlights of HDFC Freedom Credit Card

Following are some of the major HDFC Freedom Card benefits:

Joining FeeRs. 500 + applicable taxes
Annual FeeRs. 500 + applicable taxes (Waived off on spending Rs. 50,000 in a year)
Best Suited ForRewards & Cashback
Welcome Benefit 500 CashPoints on payment of joining fee
CashPoints10X CashPoints on favourite merchants, 5X CashPoints on EMI spends at merchant locations & 1 CashPoint for every Rs. 150  on other spends
Age
  • Salaried: 21-60 years.
  • Self-employed: 21-65 years.
Income
  • Salaried: Rs. 12,000 per month.
  • Self-employed: ITR should be above Rs. 6 lakh per annum


Check Also, HDFC Credit Card Airport Lounge Access List

HDFC Credit Card Offer

Features & Benefits of HDFC Freedom Credit Card

Welcome Benefits

  • 500 CashPoints.
  • Applicable only on payment of membership fee.

CashPoints

  • 10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber (maximum 2,500 CashPoints in a calendar month).
  • 5X CashPoints on EMI spends at merchant locations (maximum 2,500 CashPoints in a calendar month).
  • 1 CashPoint for spending every Rs. 150  on other categories (excluding fuel, wallet, prepaid card loads or voucher purchases). 

Note

  • Rent payments and government-related transactions will not earn reward points.
  • Reward points earned on grocery transactions will be capped per month at 1,000 reward points.

Dining Benefit

  • Up to 20% discount on 20k+ partner restaurants via Swiggy Dineout with Good Food Trail program.
  • Offer inclusive of Restaurant and Swiggy Discount. 
  • Offer valid only on payments done via Swiggy App.

Fuel Convenience Fee Waiver

  • Get 1% fuel surcharge waiver.
  • Valid on fuel transactions between Rs. 400 to Rs. 5,000 only.
  • Waiver capped at Rs. 250 per statement cycle.

Other Benefits

  • Zero lost card liability in the unfortunate event of losing your HDFC Bank Freedom Credit Card.
  • Up to 50 days of interest-free period.
  • Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year.
  • Convert your big spends into EMI after purchase with Smart EMI option.
  • Enabled for contactless payments up to Rs 5000.

Also Read: HDFC Bank Forex Cards

HDFC Freedom Credit Card Fees & Charges

Following are the annual fee, joining fee and other HDFC Freedom credit card charges:

  • Joining fee: Rs. 500 + applicable taxes.
  • Annual fee: Rs. 500 + applicable taxes. Spend minimum Rs. 50,000 in a year and get the renewal fee waived off.
  • Add-on card fee: Lifetime free.
  • Foreign currency transactions: 3.5% on the transaction value.
  • Cash advance charges: 2.5% of amount withdrawn or Rs. 500, whichever is higher.
  • Railway ticket purchase charges: 1% of the transaction amount + GST.
  • Conversion charges - Auto EMI: ROI of 20% per annum & processing fee of Rs. 99 + GST for all loan amount.
  • Charges on overlimit account: 2.5% of the overlimit amount (minimum Rs. 550).
  • Payment return charges: 2%. 
  • Late fee: Rs. 500 + GST for Insta Jumbo loans in case of non-payment/partial payment of EMI outstanding. 
  • Cash processing fee: Rs. 100. 
  • Rewards redemption fee: Rs. 99 per redemption request. 
  • Balance transfer processing fee: 1% of balance transfer amount or Rs. 250, whichever is higher.
  • Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
  • Insta Loan, Jumbo Loan & Smart EMI processing fee: Up to Rs. 999 + GST (for all loan amounts).
  • EasyEMI processing fee: Up to Rs. 299 + GST (for all loan amounts). 
  • Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the balance principal outstanding.
  • Rent pay transactions: 1% fee of the transaction amount.
  • Insta card-related charges: 2.5% of load value.
  • Card validation charges: Rs. 2.
  • Reissuance of lost/stolen/damaged card: Rs. 100.
  • Outstation cheque processing charges: Rs. 25 to Rs. 50.
  • Dynamic currency conversion Markup Fee: 1%.
  • Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
  • Goods and Services Tax (GST): GST will be charged wherever applicable.

HDFC Freedom Credit Card Eligibility

Following are the Freedom Credit Card eligibility criteria in detail:

Eligibility for Salaried:

  • The applicant should be an Indian citizen.
  • The minimum age of the applicant should be 21 years and the maximum up to 60 years.
  • The net monthly income of the applicant should be above Rs. 12,000.

Eligibility for Self-employed:

  • The applicant should be an Indian citizen.
  • The minimum age of the applicant should be 21 years and the maximum up to 65 years.
  • The Income Tax Return (ITR) of the applicant should be above Rs. 6 Lakhs per annum.

Also Read: HDFC Bank Virtual Credit Card

HDFC Freedom Credit Card Document Required

If you want Freedom HDFC Credit Card apply online with the following documents:

  • Address Proof (any one of the following):
    • Aadhaar Card
    • Passport
    • Voter ID
    • Ration Card
  • Identity Proof (any one of the following):
    • Aadhaar Card
    • Passport
    • Driving License
  • Income Proof: 
    • Salary Slips
    • Form 16
    • Income Tax Returns

How to Apply for an HDFC Freedom Credit Card?

If you want to get a Freedom Card apply online through our website by following the steps given below:

  • Click on the ‘Credit Cards’ on the homepage of our website.
  • From the dropdown menu, choose ‘HDFC’ and then click on the ‘Apply Now’ button.
  • Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

Some Other HDFC Bank Credit Cards

Apart from Freedom HDFC Credit Card, HDFC Bank offers the following credit cards:

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HDFC Freedom Credit Card FAQs

Does HDFC Freedom Credit Card provide any reward?

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Yes, you get the following rewards with the Freedom card HDFC:

  • 10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber (maximum 2,500 CashPoints in a calendar month).
  • 5X CashPoints on EMI spends at merchant locations (maximum 2,500 CashPoints in a calendar month).
  • 1 CashPoint for spending every Rs. 150  on other categories (excluding fuel, wallet, prepaid card loads or voucher purchases). 
  • 500 CashPoints as welcome and renewal benefits.
     

How can I redeem the reward points on HDFC Freedom Credit Card?

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Redeem your reward points on an HDFC Freedom credit card for: 

  • 1 CashPoint = Rs. 0.15 
  • Flight & Hotel bookings (1 CashPoint = Rs. 0.15) and also on the Rewards Catalogue at the SmartBuy Rewards Portal, where you can redeem up to 50% of the booking value through accumulated reward points.
  • For redemption against cashback, you must have minimum CashPoints equivalent to Rs. 500.

What is the HDFC Freedom Credit Card Limit?

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The Freedom HDFC credit card limit depends on various factors, such as the applicant’s income, credit score, existing relationship with HDFC Bank, active credit cards and their maximum and starting limits, etc.  

How to check the status of the HDFC Freedom Credit Card?

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  • Go to the Application Tracker page available online on HDFC Credit Card website.
  • Enter your registered mobile number.
  • Enter 16 digit Application Reference Number/ Application Form Number/ Date of Birth.
  • Enter the shown Captcha code.
  • Click on the ‘Submit’ button to view the status of your credit card.

How can I increase the HDFC Freedom Credit Card limit?

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Use the following tips to increase the HDFC Freedom Credit Card Limit:

  • Request for an increased limit on your HDFC credit card Freedom. 
  • Provide more information like a raise in your pay, annual bonus, additional income source, etc.
  • Many banks offer an annual increase in credit card limit if customers pay the balance on time. 
  • Improve your credit score by paying your EMIs and credit card dues on time to get HDFC Freedom credit card maximum limit.

Does HDFC Freedom Credit Card offer lounge access?

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No, there is no lounge access facility with this credit card.