Apply HDFC Bank Freedom Credit Card...

Key Highlights of the Freedom Credit Card

The Freedom card by the bank is a rewards credit card which offers you a wide range of benefits and features. The credit card offers you with reward points on every purchase you make along with accelerated points on your birthday spends, PayZapp spends and others as well. Apart from this, with the Freedom card, you also will receive benefits from various other categories such as fuel, insurance, etc.

  • Enjoy 5X reward points on your dining, grocery, railway bookings, taxi bookings, and movie spends.
  • Make the most of your birthday with 25X reward points on your expenses made with the card.
  • On your purchases made on PayZapp and SmartBUY, get 10X reward points.
  • Gift voucher of Rs.1,000 on spending more than Rs.90,000 in a year.
  • Renewal fee is waived off is annual spends is more than Rs.50,000
  • Interest-free period of up to 50 days.

Features and Benefits of the Freedom Credit Card

Reward Point Benefits

  • A welcome benefit of 500 reward points.
  • On your birthday spends, get 25X reward points.
  • Enjoy 5X reward points movies, grocery spends, dining, taxis, and railway spends with your credit card.
  • On your purchases made on PayZapp and SmartBUY, get 10X reward points.
  • On paying the renewal fee, get 500 reward points as a renewal bonus.

Annual and Renewal Benefits

  • On spending Rs.90,000 in a year, get a gift voucher worth Rs.1,000.
  • Membership fee for the next year is waived off if Rs.60,000 is spent in the year on your card.

Fuel Benefits

  • Fuel surcharge of 1% will be waived on your fuel purchases ranging between Rs.400 and Rs.5,000, capped at 250 per statement cycle.

HDFC Bank Freedom Credit Card Limit

The credit limit of the HDFC Freedom card is completely at the discretion of the bank. The bank takes certain factors into consideration before assigning a credit limit. The credit score of the applicant, the credit report is checked along with repayment habits of past and ongoing loans are also taken into consideration.

Reward Point Benefits of the HDFC Bank Freedom Credit Card

  • With every Rs.150 spent, get 1 reward point.
  • Get 25X reward points on all your birthday spends.
  • On movies, dining, groceries, railways and taxi bookings, get accelerated reward points of 5X.
  • 10X reward points will be given on purchases made on PayZapp and SmartBUY.
  • On paying your renewal fee, get a bonus of 500 reward points.
  • A welcome benefit of 500 points on paying your annual fee.

How to redeem reward points earned on the HDFC Bank Freedom Credit Card?

You can redeem reward points through offline or online methods. If you wish to do so offline, you will need to download the rewards redemption form from the HDFC Bank website. The details will need to be filled and sent to the following address:

Rewards Helpdesk,

HDFC Bank Cards Division,

P.O. Box No. 8654,

Thiruvanmiyur, P.O.,

Chennai - 600041.

You can also log in to your Net banking account and redeem your reward points online as well. To do so, here are the steps you need to follow:

  • Log in to your HDFC Bank net banking account.
  • Click on the 'credit cards' tab.
  • Register your card and then click on the 'redeem reward points' and select 'continue'.
  • The website will then redirect you to the rewards redemption page.
  • Select 'Redeem Reward Points'.
  • Click on the category of the item you need.
  • After doing so, choose the points range to check the various products.
  • You can select the items and add them to the cart for purchase.
  • After you have chosen the products, click on 'view your shopping cart'.
  • You will need to read the terms and condition and check the box.
  • Once done, click on 'redeem'. The redemption order number which is given must be noted down for future references.

Fees and Charges on the HDFC Bank Freedom Credit Card

Type of ChargeAmount
Annual feeRs.500
Interest-free periodUp to 50 days
Minimum repayment amount5% or a minimum of Rs.200
Charges on revolving credit3.49% per month
Cash advance limit40% of the credit limit
Late payment charges

If the statement balance is less than Rs.100 - Nil

Balance between Rs.100 and Rs.500 - Rs.100

Balance between Rs.500 and Rs.5,000 - Rs.500

Balance between Rs.5,001 and Rs.10,000 - Rs.600

Balance between Rs.10,001 and Rs.25,000 - Rs.800

More than Rs.25,000 - Rs.950

Additional card feeFree
Payment return charges2% of the payment amount subjected to a minimum of Rs.450.
Rewards redemption feeRs.99 per redemption request
Charges on over limit account2.5% of the over limit amount subjected to a minimum of Rs.500
Cash advance charges2.5% of the amount withdrawn or Rs.500, whichever is higher
Balance transfer processing charges1% of the balance transfer amount or Rs.250. The higher amount will be taken.
Outstation cheque processing charges

Cheque value of up to Rs.5,000 - Rs.25

Cheque value of more than Rs.5,000 - Rs.50

Cash processing feeRs.100
Reissue of a stolen, lost or damaged cardRs.100
Railway ticket purchase fee1.8% of the transaction amount + GST
Foreign currency transactions3.5%
Fuel transaction chargesRs.250 per statement cycle will be waived off

Eligibility Criteria for the HDFC Bank Freedom Credit Card

  • If the primary cardholder is a salaried individual, he or she must be between the age of 21 years and 60 years. His or her gross monthly income must be more than Rs.12,000.
  • If the applicant is a self-employed individual, he or she must be between the ages of 21 years and 65 years. His or her income tax returns must be greater than Rs.2 lakh per annum.
  • The primary applicant must be a resident or a non-resident of India.
  • The add-on cardholder must be at least 15 years of age.

Documents required for applying for the HDFC Bank Freedom Credit Card

  • Copy of Form 60 and PAN card.
  • Duly filled application form
  • Proof of income which can include a copy of your Form 16, latest salary slips or IT returns.
  • 2 passport-sized coloured photographs.
  • Address proof which should include PAN card, Passport, Aadhaar card or a copy of your electricity bill.
  • An identity proof which includes Aadhaar card, PAN card or driving license.

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