The HDFC Freedom Credit Card is packed with rewards and features for everyday spending. Earn 10X CashPoints on popular merchants like BigBasket, BookMyShow, Swiggy, Uber, and OYO, plus 1 CashPoint for every ₹150 spent (excluding EMI, fuel, wallet loads, and voucher purchases). Enjoy benefits like up to 20% discounts at partner restaurants via Swiggy Dineout, a 1% fuel surcharge waiver, and lounge access.
The card has an annual fee of ₹500, which is waived if you spend ₹50,000 or more in a year. Additionally, the card offers the flexibility to convert purchases into EMIs, making it even more convenient.
The HDFC Freedom Credit Card rewards you with 1 point for every ₹150 spent. Enjoy enhanced rewards with 25X points on your birthday, 5X points on movies, dining, groceries, railways, and taxi bookings, and 10X points for PayZapp and SmartBUY transactions. Additionally, receive 500 bonus points upon paying your renewal fee and another 500 as a welcome benefit.
Table of Contents:
Let us look at the key features that make the HDFC Freedom Credit Card a valuable choice for your spending needs:
Feature | Description |
---|---|
Reward Points | Earn 10X CashPoints on select merchants (Big Basket, BookMyShow, OYO, Swiggy & Uber) up to 2,500 points per month. Earn 1 CashPoint per ₹150 spent on other purchases. |
Bonus Rewards | Up to 20% discount on partner restaurants via Swiggy Dineout. |
Welcome Benefits | 500 CashPoints (applicable only on payment of membership fee). |
Fuel Surcharge Waiver | 1% waiver on fuel transactions:
|
Contactless Payments | Enabled for fast and secure contactless transactions. |
Airport Lounge Access | Not explicitly mentioned in the provided information. This benefit may not be available. |
Interest-Free Credit | Not explicitly mentioned in the provided information. Terms may vary. |
Foreign Transaction Fee | Not explicitly mentioned. Foreign transaction fees may apply. |
Lost Card Liability | Limited liability in case of lost or stolen card. Refer to the cardholder agreement for details. |
EMI Conversion | Convert large purchases into EMIs after purchase. |
Card Replacement Fee | Refer to the official website for details on replacement fees. |
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Let us understand the requirements you need to meet to qualify for the HDFC Freedom Credit Card and enjoy the Freedom Credit Card benefits.
Eligibility For Salaried Individuals:
Eligibility For Self-Employed Individuals:
General Eligibility Criteria:
To apply for the HDFC Bank Freedom Credit Card, it is essential to have the necessary documents ready to ensure a smooth application process and help the bank verify your eligibility efficiently:
Type of Charge | Amount |
---|---|
HDFC Freedom Card Annual Fee | ₹500 |
Interest-Free Period | Up to 50 days |
Minimum Repayment Amount | 5% of the total amount or a minimum of ₹200 |
Charges on Revolving Credit | 3.49% per month |
Cash Advance Limit | 40% of the credit limit |
Outstanding Amount (₹) | Late Payment Fee (₹) |
---|---|
Up to ₹100 | Nil |
₹101 to ₹500 | ₹100 |
₹501 to ₹1,000 | ₹500 |
₹1,001 to ₹5,000 | ₹600 |
₹5,001 to ₹10,000 | ₹750 |
₹10,001 to ₹25,000 | ₹900 |
₹25,001 to ₹50,000 | ₹1,100 |
More than ₹50,000 | ₹1,300 |
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Applying for a Finzy personal loan is designed to be simple and user-friendly. With an entirely digital process, you can complete your loan application and receive disbursement in as little as 48 hours. Here are the steps to follow to apply for a Finzy loan:
Charge Type | Amount |
---|---|
Additional Card Fee | Free |
Payment Return Charges | 2% of the payment amount (minimum ₹450) |
Rewards Redemption Fee | ₹99 per redemption request |
Charges on Over Limit Account | 2.5% of the over-limit amount (minimum ₹500) |
Cash Advance Charges | 2.5% of the withdrawn amount or ₹500, whichever is higher |
Balance Transfer Processing Fee | 1% of the balance transfer amount or ₹250, whichever is higher |
Outstation Cheque Processing Fee | ₹25 for cheques up to ₹5,000; ₹50 for cheques over ₹5,000 |
Cash Processing Fee | ₹100 per transaction |
Card Reissue Fee | ₹100 for stolen, lost, or damaged cards |
Railway Ticket Purchase Fee | 1.8% of the transaction amount + GST |
Foreign Currency Transactions | 3.5% of the transaction amount |
Fuel Transaction Charges | 1% fuel surcharge waived (maximum waiver ₹250 per statement cycle) |
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Do you need an instant loan?
Follow these simple steps to successfully HDFC Freedom credit card apply and start enjoying its benefits:
Step 1: You can apply through the HDFC Bank website.
Step 2:You will find a section called PAY. Click on it.
Step 3:When you click on it a drop-down list will appear, go to the CARDS section.
Step 4:Then click on the Credit Cards.
Step 5:Search for HDFC Freedom Credit Card.
Step 6:Click on “Apply online”.
Step 7:Fill out the form and submit it.
After submission, you will get a tracking ID, which you can use to check the HDFC Freedom credit card status of your application.
Check the best credit card offers for your needs!
Step 1:Download the Rewards Redemption Form from the HDFC Bank website.
Step 2:Fill out the form with the required details.
Step 3:Send the completed form to the following address:
Rewards Helpdesk
HDFC Bank Cards Division
P.O. Box No. 8654
Thiruvanmiyur, P.O.
Chennai - 600041
Important Note:
After redeeming, you will receive a redemption order number. Make sure to note this number for future reference.
Here are some credit cards that offer similar benefits and rewards to the HDFC Freedom Card :
Credit Card Name | Annual Fee | Rewards |
---|---|---|
HDFC MoneyBack+ Credit Card | ₹500 + taxes | 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket. |
HSBC Smart Value Credit Card | Nil | 1 Reward Point per ₹100 spent, 3X points on online shopping, dining, and telecom. |
Standard Chartered Platinum Rewards Credit Card | Nil | 5 points per ₹150 spent on dining & fuel, 1 point on other spends. |
SBI SimplyClick Credit Card | ₹499 + taxes (waived on spends of ₹1,00,000) | 10X reward points on Amazon, BookMyShow, Lenskart, Apollo 24X7, Netmeds, Cleartrip & Eazydiner. |
Get an instant loan in a few simple steps!
Enjoy 5x reward points on groceries, dining, and movie spends, fuel surcharge waivers, and milestone benefits.
Apply via the HDFC Bank website, NetBanking, or visit your nearest HDFC branch.
The annual fee is ₹500 + GST, waived on annual spends of ₹50,000 or more.
Redeem points through the HDFC rewards portal for vouchers, gifts, travel bookings, or cashback.
The interest rate ranges from 3.49% to 3.99% per month, depending on usage and repayment behavior.
Yes, enjoy 500 reward points on the first transaction of ₹500 or more within 90 days of card activation.
Eligibility is based on your income, credit score, and age (minimum 21 years).
Activate via NetBanking, mobile banking, or by making your first transaction.
Yes, you can request an add-on card for family members aged 18 years or above.
The limit is determined based on your income, credit score, and bank’s discretion.
Block the card instantly via NetBanking, mobile banking, or by calling HDFC customer care.
Documents include identity proof, address proof, income proof (salary slips/ITR), and a passport-size photograph.
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