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Key Highlights of HDFC Freedom Credit Card

Following are some of the major HDFC Freedom Card benefits:

  • Upto 20% discount on partner restaurants via Swiggy Dineout.
  • 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

HDFC Credit Card Offer

Features & Benefits of HDFC Freedom Credit Card

Welcome Benefits

  • Get a welcome as well as renewal benefits of 500 reward points on fee payment.

Reward Points

  • Earn 1 reward point on spending every Rs. 150 (Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases) 
  • Get 10X reward points (maximum up to 2500 reward points per statement cycle) on all Big Basket, BookMyshow, OYO, Swiggy & Uber spends.
  • Get 5X CashPoints on EMI spends (maximum of 2,500 CashPoints can be earned per statement cycle)
  • Redeem accumulated reward points for cash back, product catalogue or Flight & Hotel bookings on Smartbuy (1 point = 15 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

HDFC Freedom Credit Card Fees & Charges

Following are the annual fee, joining fee and other hdfc freedom credit card charges:

  • 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 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.
  • 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.

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 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

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 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 Card

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:

  • Welcome as well as renewal benefits of 500 reward points on fee payment.
  • 1 reward point on spending every Rs. 150.
  • 10X reward points (maximum up to 2500 reward points per statement cycle) on all Big Basket, BookMyshow, OYO, Swiggy & Uber spends.
  • 5X CashPoints on EMI spends (maximum of 2,500 CashPoints can be earned per statement cycle)

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

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Redeem your reward points on HDFC Freedom credit card for cashback (1 Point = 15 paise) or product catalogue (1 Point = up to 15 paise) or Flight & Hotels on Smartbuy (1 point = 15 paise),  where you can redeem up to 50% of the booking value through accumulated reward points.
Reward points for eligible transaction will get added in the next statement. Minimum 2500 points (in multiples of 500 only) are required for redemption of reward points against cashback.
Cost per Point will be charged (in Rs.), up to 0.15 for product catalogue, 0.15 for SmartBuy (flights/hotels) with 50% capping, and 0.1 for cashback.

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 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 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.