bring on your birthday with HDFC Freedom credit card
chase your ‘freedom’ of spending more, and saving even more.
going for a movie, or a quick trip to supermarket? keep your HDFC Freedom credit card handy. earn accelerated reward points on movies, groceries, dining and more with one of the best credit cards with a generous reward points program. the most exciting benefit of this card is you can earn up to 3,000 reward points on your birthday. to earn additional rewards and cashback, make your HDFC credit card payment via CRED.
this article will take you through the features and benefits, step-by-step application process, eligibility criteria, and fees and charges of this card.
features | benefits |
|---|---|
attractive rewards | 500 reward points on successful credit card payment of joining fees |
fuel surcharge waiver | 1% fuel surcharge waiver on all transactions between ₹400-₹5,000 |
annual expenditure benefit | gift voucher worth ₹1,000 on an annual expenditure of ₹90,000 and above |
interest-free credit | 50 days of interest-free period from the date of purchase |
contactless technology | HDFC Freedom credit card can be used for contactless payments, thereby ensuring faster and secured payments |
how do i apply for HDFC Freedom credit card?
- go to the official website of HDFC Bank and click on products > cards > credit cards.
- in the category of ‘cashback’ cards, there is an image of Freedom credit card along with the ‘apply online’ button.
- click on ‘apply online’ and a credit card application form will load. fill in your details in the form including PAN number and income. after filling the details, click on ‘submit’.
the bank will then verify your details and approve/reject your application depending on the eligibility criteria.
once you have applied for the credit card, you can track the application status online or call the HDFC customer care.
you can also visit the nearest branch of HDFC Bank to apply for HDFC Freedom credit card.
eligibility to apply for HDFC Freedom credit card
the eligibility criteria for HDFC Freedom credit card is different for both salaried and self-employed individuals:
salaried individuals
- the applicant should be in the age group of 21-60 years
- the monthly income of the applicant should be greater than ₹12,000
self-employed individuals
- the applicant should be in the age group of 21-65 years
- the Income Tax Return filed by the applicant should be greater than ₹2 lakhs per annum
what documents do i require to apply for the card?
- identity proof: Aadhaar card/ PAN card/ driving license/ voting card (any one of these documents is required)
- address proof: passport/ electricity bill/ telephone bill (any one of these documents is required)
- income proof which includes latest ITR documents or salary slips
- passport-size coloured photographs
HDFC Freedom credit card: fees and charges
- joining fee - ₹500
- renewal fee - ₹500
- cash advance charge - 2.5% of the total amount withdrawn
- late payment charge - ₹100-₹950 depending on the payment pending
- over limit charge - 2.5% of the over limit amount
- returned payment fee - 2% of the total amount
- rewards redemption fee - ₹99
- foreign currency transaction charge - 3.5%
- card replacement charge - ₹100
- cash processing fee - ₹100
- credit card balance transfer charge - 1% of the money transferred
frequently asked questions (FAQs)
what is the solution if my transaction amount is greater than ₹2,000 for contactless transactions?
through contactless payment, you can transfer a maximum of ₹2,000 for a single transaction. if the amount is greater than ₹2,000, you have to enter the credit card PIN to process the transaction.
how much GST will be charged on my HDFC Freedom credit card?
the GST charged will be 18% of the total expenses.
in what form can I redeem reward points?
the reward points can be redeemed for amazing gifts available on HDFC rewards catalogue (100 reward points = ₹15) and you can also redeem reward points for cashback (100 reward points = ₹10) to pay the outstanding amount.
what are the steps to redeem reward points?
follow the following steps to redeem the reward points using netbanking:
- login to netbanking using your user ID and password and click on ‘credit cards’ tab on top.
- in ‘credit cards’ tab click on ‘register new card’ on the left-hand sidebar. enter your 4-digit credit card PIN to complete the registration process.
- click on ‘redeem reward points’ on the left-hand sidebar. click on ‘continue’ to go to the online redemption portal.
- on the online redemption page, click on ‘redeem reward points’. select ‘points range’ and ‘item category’ to view catalogue. select items by adding to the shopping cart.
- please read the ‘terms and conditions’ and click on the checkbox to agree to the same.
- click on ‘redeem’ to confirm the redemption request and then note down the redemption order number.
what are the minimum reward points required for redemption?
a minimum of 2,500 reward points are required for redemption.
are there any charges to avail add-on card?
no, the add-on card is free. you can apply for add-on card for your spouse, parents, siblings, or kids above 18 years of age.