HDFC Freedom Credit Card is one of the Best Cash Back Credit Cards available for the beginners in India. At annual fee of Rs. 500, it comes as a very affordable and valuable choice for regular as well as first-time credit card users. The renewal fee is waived off on the modest annual spend of Rs. 50,000.
Following are the fees and charges details of HDFC Freedom Credit Card:
|Type of Charges||Charges Details|
|Annual Fee||Rs. 500|
|Renewal Fee||Rs. 500|
|Interest Free Period||Up to 50 days|
|Interest Rate||3.49% per month|
|Additional Card Fee||Free|
|Cash advance fees||2.5% of the amount|
|Cash processing fee||Rs. 100|
|Reward redemption fee||Rs. 99 per request|
|Foreign currency transactions Charges||3.50%|
|Balance transfer charges||1% of the amount or minimum Rs. 250|
|Reissuance fee||Rs. 100|
|Payment return Fee||2%|
|Cash advance limit||40% of the credit limit|
|Overlimit Charges||2.50% of the overlimit amount|
|Card Replacement Charge||Rs. 100|
Reward Points Redemption
You can use the following payment channels for your HDFC Credit Card bills:
Options for HDFC Customers:
Payment Options for Non- HDFC Bank Savings Account Holders:
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You can instantly redeem the accumulated points online by accessing net banking. Log in with your customer id and password and request 'card redemption' option. Make sure you redeem points in the multiples of 500. You can either choose exciting gifts from the rewards catalogue or by converting the points to cashback. The credit back can be used to pay the outside bill of your card.
You can check the status of Credit Card application online on official HDFC website. All you need to do is input 16 digit application reference number, along with your mobile number or Date of Birth (DDMMYYYY) to verify the request.
Existing HDFC Bank customers can access their user account and register their new Credit Card for net banking. As you choose "Register New Card" on the left-hand side of the screen, you would be asked Credit Card number, expiry date, and ATM PIN. After filling in the required information, "Submit" the request.
Use the following address for your queries and requests:
HDFC Bank Cards Division
PO BOX # 8654
Chennai 600 041
Toll-Free Customer Care Number: 18002664332