HDFC Freedom Credit Card

Following are some of the major HDFC Freedom Credit Card benefits:

• Get up to 3 add-on credit cards for free.
• 1% fuel convenience fee waiver.
• This card is chip-enabled ensuring safe & secure transactions.
• Zero liability on lost credit card if reported immediately
• This is a contactless credit card, facilitating fast, convenient & secure payments at retail outlets.
• Get the next year’s annual membership waived off on spending Rs. 50,000 or more in a year. 
  Check Also, HDFC Credit Card Airport Lounge Access List

Welcome Benefits

• Get a welcome as well as renewal benefits of 500 reward points on fee payment.
• Get a gift voucher worth Rs. 1,000 on annual spends of Rs. 90,000 or more.

Reward Points

• Earn 1 reward point on spending every Rs. 150 (Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases) 
• Earn 25X reward points (maximum up to 3000 reward points) on spending made on your birthday.
• Get 10X reward points (maximum up to 1500 reward points per statement cycle) on all PayZapp & SmartBuy spends.
• Earn 5X reward points (maximum up to 1500 reward points per statement cycle) for spending on dining, movies, groceries, railways and taxis.
• Redeem accumulated reward points for cash back, product catalogue or Flight & Hotel bookings on Smartbuy (1 point = 10 paise).
• You can redeem up to a maximum of 50% of your booking value through reward points.

Fuel Convenience Fee Waiver

• Get 1% waiver of convenience fee on fuel.
• Maximum benefit is capped at Rs.250 per statement cycle.
• Offer is applicable on minimum transaction of Rs. 400 and maximum Rs. 5,000.
• GST will be applicable additionally.

Also Read: HDFC Bank Forex Cards

Following are the annual fee, joining fee and other charges associated with the card:

• Joining fee: Rs. 500
• Annual fee: Rs. 500. Spend minimum Rs. 50,000 in a year and get the next year’s annual membership waived off.
• Cost per Point (in Rs.): 1 RP Equivalent to
  • Product Catalogue : 0.15
  • SmartBuy (Flights/Hotels) : 0.15
  • Cashback : 0.15
  • Airmiles : 0.15

• Interest: Avail up to 50 days of interest free period on your Freedom Credit Card from the date of purchase and 0.99% will be applicable for first 90 days from card issuance date. From 91st day onwards regular interest rate of 3.6% along with taxes will be applicable. If card is issued against a fixed deposit, 1.99% interest per month will be charged.
• Auto EMI conversion charges: 20% interest rate and processing fee of Rs. 99.
• Late payment charges: For statement balance :
  • Less than Rs. 100: Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 500 to Rs. 5,000: Rs. 500
  • Between Rs. 5,000 to Rs. 10,000: Rs. 600
  • Between Rs. 10,000 to Rs. 25,00: Rs. 800
  • Between Rs. 25,000 to Rs. 50,000: Rs. 1,100
  • Over Rs. 50,000: Rs. 1,300

• Cash advance charges: 2.5% of amount withdrawn or Rs. 500, whichever is higher.
• Charges on overlimit account: 2.5% of the overlimit amount, minimum Rs. 500.
• Cash processing fee: Rs. 100. 
• Payment return charges: 2%. 
• Rewards redemption fee: Rs. 99 per redemption request. 
• Balance transfer processing fee: 1% of balance transfer amount or Rs. 250, whichever is higher.
• Foreign currency transactions: 3.5%
• Railway ticket purchase charges: 1.8% of the transaction amount + GST.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Reissuance of lost/stolen/damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 to Rs. 50.
• Goods and Services Tax (GST): GST will be charged wherever applicable.
• TDS on withdrawals above Rs. 1 Crore: 2% on total cash withdrawals above Rs. 1 Crore.

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 maximum up to 60 years.
• Net monthly income of the applicant should be at least 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 maximum up to 65 years.
• Annual income of the applicant should be at least Rs. 6 Lakhs per annum.

Also Read: HDFC Bank Virtual Credit Card

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

If you want to get Freedom credit 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.

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

• IndianOil HDFC Bank Credit Card
• Millennia Credit Card
• INFINIA Metal Edition
• Diners Club Black Credit Card
• Paytm HDFC Bank Credit Card
• Paytm HDFC Bank Select Credit Card
• Paytm HDFC Bank Mobile Credit Card
• Regalia Credit Card
• Diners Club Privilege Credit Card
• MoneyBack+ Credit Card
• MoneyBack Credit Card
• Regalia First Credit Card
• Diners ClubMiles Credit Card
• Platinum Times Card
• Titanium Times Card6E Rewards - IndiGo HDFC Bank Credit Card
• 6E Rewards XL- India
• Go HDFC Bank Credit Card
• InterMiles HDFC Bank Diners Club Credit card
• InterMiles HDFC Bank Signature Credit card
• InterMiles HDFC Bank Platinum Credit card
• Paytm HDFC Bank Business Credit Card
• Paytm HDFC Bank SELECT Business Credit Card
• Business Regalia
• Business MoneyBack
• Best Price Save Max HDFC Bank Credit Card
• Best Price Save Smart HDFC Bank Credit Card
• CSC Small Business MoneyBack
• All Miles Credit Card
• Bharat Credit Card
• Business Bharat Credit Card
• Business Freedom Credit Card
• Business Gold Credit Card
• Business Platinum Credit Card
• Business Regalia First Credit Card
• Diners Club Premium Credit Card
• Diners Club Rewardz Credit Card
• Doctor's Regalia Credit Card
• Doctor's Superia Credit Card
• JetPrivilege HDFC Bank Select / Titanium
• Platinum Edge Credit Card
• Platinum Plus Credit Card
• Solitaire Credit Card
• Superia Credit Card
• Teachers Platinum Credit Card
• Titanium Edge Credit Card
• Visa Signature Credit Card
• World MasterCard Credit Card