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HDFC Freedom Credit Card is best suited for the first time users. Available at an annual fee of Rs. 500, the card offers bonus reward points on groceries, dining, movies and more. These points can be converted into cash back. Continue reading to know about HDFC Freedom Credit Card benefits, annual charges and more.
Best suited for
Annual Fee: ₹ 500
Annual fee waiver at spend of ₹60000
Joining Fee: ₹ 500
Best Suited For – Regular spends, Fuel and Rewards
*Offers are from Paisabazaar's partner Banks & NBFCs.
Get 500 Reward Points as welcome gift.
Get 500 Reward Points on Payment of Renewal Fee.
Earned reward points can be redeemed through catalogue purchases or cash back.
No need to pay the annual fee if spends cross Rs. 50,000 in a year.
Avail this benefit by using the card at least 4 times in a month. The primary cardholder is insured up to Rs. 50 lakh.
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Watch this video
HDFC Freedom is a low-fee credit card best-suited to the needs of frequent shoppers. The card lets you earn rewards for each purchase and gives you the option to exchange rewards for cashback. Watch this short video about the features of HDFC Freedom Credit Card.
Fee and Charges
|Annual/Renewal Fee||Rs. 500|
|Reward Redemption Fee||Rs. 99 per request|
|Foreign Currency Mark-up Fee||3.5% of the amount|
|Cash Advance Charges||2.5% of amount withdrawn or Rs. 500 whichever is higher|
|Additional Card Fee||Nil|
|Overlimit Charges||2.5% of overlimit amount, subject to a minimum of Rs. 550|
|Reissue of Lost, Stolen or Damaged Card||Rs. 100|
|Payment Return Charges||2% of Payment amount subject to a minimum of Rs. 450|
|Cash Processing Fee||Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)|
|Balance Transfer Processing Charges||1% of BT amount or Rs. 250, whichever is higher|
|Late Payment Charges||For Statement Balance:|
|Finance Charges||3.6% p.m. | 43.2% p.a.|
Eligibility and Documentation
Before applying for this credit card, you must fulfil the following eligibility criteria–
*The minimum income requirement is different for different HDFC credit cards
Following documents are required by HDFC Card at the time of credit card application-
HDFC Card Customer Care Details
|Customer Care Number||022-6160-6161(Toll Free)|
|Timings||9:30 AM to 5:30 PM from Monday to Saturday|
How to Apply for HDFC Freedom Credit Card
In order to apply for HDFC Freedom credit card, you can either visit the bank’s website or contact the bank officials who will then guide you with the process. Once you submit your application and is approved, your credit card will reach the mentioned address within 10-15 working days.
What are the benefits of HDFC Freedom credit card?
HDFC Bank Freedom credit card comes with reward points on every purchase along with welcome reward points and renewal fee payment reward points. Not only this, you will earn 10x reward points on PayZapp and SmartBuy spends and 5x reward points on dining, movies, groceries etc.
How to redeem HDFC credit card reward points?
You can either redeem HDFC reward points via internet banking or fill the reward redemption form and post it to HDFC card divison. For more information on redeeming HDFC reward points, click here.
Which are the other cashback/reward point credit cards from HDFC Bank?
If you are looking for cashback/reward points credit card then you can go for HDFC Bharat, HDFC Millennia or HDFC Snapdeal credit card.
How many Add-on credit cards can i have?
The primary cardholder can get up to 3 Add-on credit cards with HDFC Freedom
|Credit Card||Annual Fee||Reward Points||Net Savings|
|HDFC Freedom Credit Card||Rs.500||Earn 500 reward points as a welcome gift and 500 reward points on payment of renewal fee||Rs. 1,744*|
|Standard Chartered Super Value Titanium Credit Card||Rs.750||Earn 1 reward point for every Rs. 150 spent||Rs. 9,834*|
|ICICI Bank Coral Contactless Card||Rs.500||Earn 2 PAYBACK points per Rs. 100 spent||Rs.10,636*|
|Yatra SBI Card||Rs. 499+ Taxes||Earn 6 reward points on every Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, and international spends and 1 reward point on every Rs. 100 spent on all other categories||Rs. 13,451*|
|HSBC Smart Value Credit Card||Rs. 499||Earn 1 reward point for every Rs. 100 spent and 3X accelerated reward points on online, dining, and telecom categories||Rs. 7,174*|
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually
|Credit Card||Annual Fee||Key Feature||Paisabazaar Rating|
|Citibank® Rewards Credit Card||Rs. 1,000||Earn 1 reward point for every Rs. 125 spent|
Earn 10X reward points on apparel and departmental store spends
|Standard Chartered Platinum Rewards Credit Card||Rs. 250||Earn 5X reward points on dining and fuel spends|
Earn 1 reward point on every spending of Rs. 150 on all the other categories
|Yes Prosperity Rewards Plus Credit Card||Rs. 499||Earn 3 reward points on every Rs. 100 spent on Grocery and Supermarket spends; Earn 2 reward points are earned per Rs. 100 spent on other categories||N/A|
|HDFC Bank Diners Club Rewardz Credit Card||Rs.1,000||Earn 1000 Reward Points on successful sign-up|
Earn 3 Reward Point per Rs. 150 spent on retail