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HDFC Bank Freedom credit card is one of the top credit cards from HDFC bank. It is ideal for first-time credit card users. It comes with a range of features and multiple benefits including fast accumulation of reward points. The card offers bonus reward points on categories such as groceries, movies, dining and more. The bonus points can be availed as cashback. Annual fee - Rs. 500. Check your eligibility and apply for the HDFC Freedom credit card.
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HDFC Freedom Credit Card is an ideal solution for the credit needs of first-time credit card users. The card offers various bonus reward points that can be accumulated for spending on entertainment, dining out, grocery shopping, etc.
This is a rewards credit card that comes with a wide range of benefits and features. It also offers fast bonus points that can be availed upon making purchases, PayZapp expenses and many other categories as well. Other than this, cardholders can also receive benefits related to fuel, insurance, etc.
Applicants must meet the below-mentioned criteria to apply for Freedom Credit card of HDFC Bank:
Category of Charge
Maximum 50 days
5% or a minimum of Rs. 200
Fees on revolving credit
3.49% per month
Cash advance maximum
40% of the credit limit
Late payment fees
If the balance in the monthly statement is less than Rs. 100 – no charges
If the balance is between Rs.100 and Rs. 500 - Rs. 100
If the balance is between Rs.500 and Rs. 5,000 - Rs. 500
If balance is between Rs.5,001 and Rs. 10,000 - Rs. 600
If balance is between Rs.10,001 and Rs. 25,000 - Rs. 800
Higher than Rs. 25,000 - Rs. 950
Additional card charges
Payment return fees
2% of the payment return value - a minimum of Rs. 450.
Rewards redemption charges
Rs. 99 per request
Fees for over-limit account
2.5% of the above limit value - a minimum of Rs. 500
Cash advance fees
2.5% of the value withdrawn or Rs. 500, whichever is higher
Processing fees for a balance transfer
1% of the amount transferred or Rs. 250, whichever is higher
Processing fees for Outstation cheques
If cheque value is maximum Rs. 5,000 - Rs. 25
If cheque value is greater than Rs. 5,000 - Rs. 50
Cash processing charges
Reissuance of stolen, damaged, or lost card
Railway ticket purchasing charges
1.8% of the transaction cost + GST
Charges for Transactions in Foreign currency
Fuel transaction fees
Waiver of Rs. 250 per statement cycle
Redemption of reward points can be done offline or online, depending on the user’s convenience. For offline redemption, the user must download the redemption form. This is available on the bank’s website. After filling in the details, the form can be sent to the below-mentioned address:
Addressed to: Rewards Helpdesk
HDFC Bank Cards Division,
P.O. Box No. 8654,
Chennai - 600041.
Users can log in to his or her net banking account and reward points can be redeemed online as well. Follow the steps mentioned below for online redemption:
HDFC Bank is one of the most prestigious private-sector banking establishments in India. It offers a range of products and services, from credit cards to mutual funds and various other banking products. HDFC bank has a wide variety of products to cater to the varied needs of customers. Whether it is free airport lounge access or waivers on fuel-surcharge, HDFC Bank Credit Cards come with irresistible offers that attract numerous customers.
1. What are the perks to look forward to in the HDFC Freedom credit card?
HDFC Bank Freedom credit card offers many reward points for purchases combined with welcome reward points. The card allows users to earn 10x reward points on spending through PayZapp and SmartBuy. 5x reward points can be earned on expenses related to dining, groceries etc.
2. What is the process to redeem reward points earned on HDFC credit cards?
Reward points can be redeemed through internet banking or filling the reward redemption form. If you opt for the offline mode you must post the form to the HDFC card division address.
3. Are there any other cashback or reward points credit cards offered by HDFC Bank?
Other cashback or reward points credit cards offered by HDFC include HDFC Bharat, HDFC Snapdeal, and HDFC Millennia cards.
4. Can I have multiple Add-on credit cards?
Yes. If you are a primary cardholder, you can have a maximum of 3 Add-on credit cards.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.