|HDFC Freedom Credit Card Rating|
|Reward Points ★★★★|
Welcome Bonuses ★★★★
Annual Fee ★★★★
Offers & Discounts ★★★
Additional Benefits ★★★
|Overall Rating ★★★★|
HDFC Freedom Credit Card is among the best cards catering to the requirements of the first-time credit card users. The Freedom Card by HDFC is basically a rewards credit card that offers a wide range of benefits including bonus reward points on birthdays, dining, groceries, fuel benefits, insurance and more. Here is our review of the card with detailed features and benefits:
Key Highlights of HDFC Freedom Credit Card
Upon activation of your HDFC Freedom Credit Card, you get 500 reward points as a welcome gift. You also get 500 reward points on renewal of the card.
Note- The welcome benefit & renewal benefit is applicable only on payment of membership fee and not applicable when the fee is waived off.
Exclusive Reward Points on your Birthday
You have the added privilege to earn 25X reward points on all your birthday spends. The total amount is capped into 3000 reward points. Make the most of your birthday with the 25X reward points on your expenses made using the card. Along with this, you also earn reward points in the following categories:
|PayZapp & SmartBuy||Earn 10x reward points on all spends using PayZapp and SmartBuy|
|Renewal Benefit||Avail 500 reward points on renewal fee|
|Other Categories||Earn 5X reward points for spends on dining / movies / groceries / railways / taxis*|
*capped into 1500 reward points per statement cycle
- The redemption of reward points for cashback will happen in multiples of 500.
- Reward points for eligible transactions will get posted in the next statement.
- You will earn 1 reward point on every spend of Rs.250 and above
- Redeem points for cashback (100 points= Rs.10) or catalogue (100 points= Rs.15)
Fuel Benefits with HDFC Freedom Credit Card
Fuel surcharge of 1% will be waived on all your fuel purchases ranging from Rs.400 to Rs.5000, capped at Rs.250 per statement cycle. It is to be noted that GST charge will be applicable on every transaction made.
Other Additional Benefits
We have listed below the additional perks that the card offers. Apart from the varied reward points, the card provides you with-
Accidental Death Insurance Cover
You can avail this benefit by using your card at least 4 times in a month. If you are the primary cardholder, you are insured up to Rs.50 lakh.
Fire and Burglary Protection
Get this particular benefit on all purchases worth Rs.5000 plus for 80 days.