HDFC Freedom Credit Card

Following are some of the major HDFC Freedom Card benefits:

Check Also, HDFC Credit Card Airport Lounge Access List

Here are some of the major HDFC Freedom Credit Card Benefits:

Welcome Benefits

• 500 CashPoints.
• Applicable only on payment of membership fee.

CashPoints

• 10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber (maximum 2,500 CashPoints in a calendar month).
• 5X CashPoints on EMI spends at merchant locations (maximum 2,500 CashPoints in a calendar month).
• 1 CashPoint for spending every Rs. 150  on other categories (excluding fuel, wallet, prepaid card loads or voucher purchases). 

Note

• Rent payments and government-related transactions will not earn reward points.
• Reward points earned on grocery transactions will be capped per month at 1,000 reward points.

Dining Benefit

• Up to 20% discount on 20k+ partner restaurants via Swiggy Dineout with Good Food Trail program.
• Offer inclusive of Restaurant and Swiggy Discount. 
• Offer valid only on payments done via Swiggy App.

Fuel Convenience Fee Waiver

• Get 1% fuel surcharge waiver.
• Valid on fuel transactions between Rs. 400 to Rs. 5,000 only.
• Waiver capped at Rs. 250 per statement cycle.

Other Benefits

• Zero lost card liability in the unfortunate event of losing your HDFC Bank Freedom Credit Card.
• Up to 50 days of interest-free period.
• Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year.
• Convert your big spends into EMI after purchase with Smart EMI option.
• Enabled for contactless payments up to Rs 5000.

Also Read: HDFC Bank Forex Cards

Following are the annual fee, joining fee and other HDFC Freedom credit card charges:

• Joining fee: Rs. 500 + applicable taxes.
• Annual fee: Rs. 500 + applicable taxes. Spend minimum Rs. 50,000 in a year and get the renewal fee waived off.
• Add-on card fee: Lifetime free.
• Foreign currency transactions: 3.5% on the transaction value.
• Cash advance charges: 2.5% of amount withdrawn or Rs. 500, whichever is higher.
• Railway ticket purchase charges: 1% of the transaction amount + GST.
• Conversion charges - Auto EMI: ROI of 20% per annum & processing fee of Rs. 99 + GST for all loan amount.
• Charges on overlimit account: 2.5% of the overlimit amount (minimum Rs. 550).
• Payment return charges: 2%. 
• Late fee: Rs. 500 + GST for Insta Jumbo loans in case of non-payment/partial payment of EMI outstanding. 
• Cash processing fee: Rs. 100. 
• Rewards redemption fee: Rs. 99 per redemption request. 
• Balance transfer processing fee: 1% of balance transfer amount or Rs. 250, whichever is higher.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Insta Loan, Jumbo Loan & Smart EMI processing fee: Up to Rs. 999 + GST (for all loan amounts).
• EasyEMI processing fee: Up to Rs. 299 + GST (for all loan amounts). 
• Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the balance principal outstanding.
• Rent pay transactions: 1% fee of the transaction amount.
• Insta card-related charges: 2.5% of load value.
• Card validation charges: Rs. 2.
• Reissuance of lost/stolen/damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 to Rs. 50.
• Dynamic currency conversion Markup Fee: 1%.
• Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
• Goods and Services Tax (GST): GST will be charged wherever applicable.

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 the maximum up to 60 years.
• The net monthly income of the applicant should be above 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 the maximum up to 65 years.
• The Income Tax Return (ITR) of the applicant should be above 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 a 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.