HDFC Freedom Credit Card is the perfect and best-selling HDFC Credit Card. This credit card comes with many reward points and cashback offers for users. If you are looking for a good and affordable credit card, add the HDFC Freedom Credit Card to your list. Here, we take you through the features, benefits, and charges of the HDFC Freedom Credit Card in detail.
HDFC Freedom Credit Card Review
| Article Topic | HDFC Freedom Credit Card Apply Online |
| Joining Free | Rs 500/- |
| Renewal Fee | Get a renewal membership fee waiver on spending ₹50,000 and above in an annual year |
| Welcome Gift | 500 Cashpoints (Applicable only on payment of membership fee) |
| Key Feature | 10X Cashpoints at your favorite merchants – BigBasket, BookMyShow, OYO, Swiggy, and Uber |
Features & Benefits of HDFC Freedom Credit Card
If you want to apply for HDFC Freedom Credit Card, you should know about the features of this HDFC Credit Card, which are mentioned below.
Key Features
- 10X CashPoints on your favorite merchants – Big Basket, BookMyshow, OYO, Swiggy & Uber (Maximum of 2,500 CashPoints can be earned in a calendar month)
- 5X CashPoints on EMI spends at merchant locations
- 1 CashPoint for every Rs.150 on other spends
- The lower interest rate of 0.99% for the first 90 days on non-EMI spending from the card issuance date. (Not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer, or Cash transactions)
- Up to 15% discount on partner restaurants in select cities via Dineout
Fuel Surcharge Waiver
- 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
Welcome/Renewal Benefit
- 500 CashPoints (applicable only on payment of membership fee)
Other Features & Benefits
- Get the renewal membership fee waived by spending ₹50,000 and above in an annual year
- HDFC Bank Freedom Credit Card comes with an option to convert your Rs 2500 and above spending into EMI after purchase.
- 1 CashPoint = ₹0.15
- Reward points redemption for flights & hotel bookings are capped per calendar month at 50,000.
- Cardmembers can redeem up to 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
- For redemption against cashback, Cardholder must have minimum CashPoints equivalent to ₹500
- Cash points earned on your HDFC Bank Freedom Credit Card are valid only for 2 years from the date of the transaction.
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Eligibility Criteria & Documentations Required for HDFC Freedom Credit Card
To apply for an HDFC Bank Freedom Credit Card, you have to be eligible and provide some documents. After that, you can apply for this credit card. Following are the eligibility criteria and documents for HDFC Freedom Credit Card:
For Salaried Customer
Age Group: 21 to 60 years
Income Range: Rs 12,000+
Documents Required
- Identity Proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving License
- Address Proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Salary Certificate, Recent salary slip, Employment letter
For Self Employed Customer
Age Group: 21 to 65 years
Income Range: Paid ITR of Rs 3.6 lakhs in a year
Documents Required
- Identity Proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving License
- Address Proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or balance sheet
Fees & Charges of HDFC Freedom Credit Card
| Fees Type | Amount |
| Joining Fee | Rs 500/- |
| Renewal Fee | Rs 500/- (Get a renewal membership fee waiver on spending ₹50,000 and above in an annual year) |
| Finance Charges | 3.49% per month |
| Cash Advance Limit | 40% of the Card limit |
| Late Payment Charges | Interest-Free Period |
| Reward redemption fee | Rs. 99 per redemption request |
| Foreign Currency transaction | 3.5% |
| Interest Free Period | Up to 50 days |
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How to Apply for HDFC Freedom Credit Card?
- The customer has to click on the link given below and enter mobile number, name, PAN number, email ID, and pin code and then click on ‘Start Now
- Customers need to enter their mobile number, enter the code provided and then check the box, and click on ‘Continue.’
- Now enter OTP and click on confirm
- Now enter the PAN number
- Now choose any one KYC option
- After that agree to the terms and conditions of EKYC
- Complete your eKYC using your Aadhaar card
- After that fill in some details like office address, present address, and employment type (for salaried you have to enter your official email id)
- Once the process is complete, the system will do the final verification and if the customer fulfills all the criteria, the card application will be approved. The credit card may take 14-20 working days to reach the customer’s address.
Generate a PIN in any one of the following ways to activate your Card:
Option 1 – By using IVR – Call: 1860 266 0333
| Call from Registered Mobile Number | Set a 4-digit PIN of your choice |
| Validate with OTP sent on Registered Mobile Number | Set 4-digit PIN of your choice |
Option 2 – By using Net-Banking
| Login to Net-Banking | Click on the ‘Cards’ tab and visit the ‘Request’ section |
| Select your Card Number and generate you 4-digit PIN | Select your Card Number and generate your 4-digit PIN |
Option 3 – By using Mobile-Banking App
| Login to Mobile-Banking | Tap on ‘Pay’ followed by ‘Cards’ |
| Select you Card | Tap to ‘Change PIN’ to set PIN |
Option 4 – By using ATM
| Click on the ‘Create you ATM PIN’ option and enter the OTP received | Select your Card Number and generate you 4-digit PIN |
| Enter your Registered Mobile Number | Select your Card Number and generate your 4-digit PIN |
- You will receive a Green PIN OTP or a physical PIN mailer containing your Card’s PIN
- If you receive a Green PIN OTP on your Registered Mobile Number, then you can set an ATM PIN of your choice using the OTP at any HDFC Bank ATM. In this case, you will not receive a physical PIN
- If the Card Number on your new Card is the same as your existing one, then your old PIN will remain valid. To set up a new PIN or to change your existing PIN Instantly, you may dial 1860 266 033 or log in to Net-Banking.
Customer Care Number for HDFC Freedom Credit Card
For queries, please call us at HDFC Freedom Bank Credit Card Toll-Free number 1800 202 6161/1860 267 6161 (from 8 am to 8 pm) Customers traveling overseas can reach us at 022-61606160.
FAQ Related to HDFC Freedom Credit Card
What is Freedom Card in HDFC Bank?
HDFC Freedom Credit Card is one of the best credit cards for first-time users. It offers cashback, reward points, a fuel surcharge waiver, zero liability on the lost card, contactless payment, and an EMI facility. You can also convert your earned reward points against statement credit, which is a good feature if you want to avail of cashback instead of rewards.
Is HDFC Freedom Credit Card lifetime free?
No, HDFC Bank Freedom Credit Card is not a lifetime-free card. The annual fee of the card is Rs 500, which must be paid every year. But, if you use your credit card to spend Rs 50,000 and above, the annual fee is waived.
Can I withdraw cash from my HDFC Freedom Credit Card?
Yes, you can withdraw cash using the HDFC Freedom Credit Card. Cash withdrawals using credit cards usually attract high-interest rates and additional fees, such as cash advance fees. At HDFC Bank, we offer a cash advance limit of 40%. So, if your credit card limit is Rs 1 lakh, you can withdraw cash up to Rs 40,000.
What is HDFC Bank Contactless Credit Card?
Contactless cards are a fast and convenient way to pay for everyday purchases. It’s a secure, contactless chip technology designed to help you spend less time at the cash register and give you the freedom to do the things that matter most to you. HDFC Bank Contactless Credit Card is a chip-enabled Radio Frequency Antenna embedded credit card. This card can be used at all NFC-enabled contactless terminals around the world.
Can I convert my purchases into EMIs using the HDFC Freedom Credit Card?
Yes, you can convert your purchases into EMIs using the HDFC Freedom Credit Card. EMI facility is available for transactions of Rs.2500 and above.
How can I connect with HDFC Freedom Credit Card Customer Care?
You can connect with HDFC Bank Credit Card Customer Care in the following ways: 1800 202 6161/1860 267 6161 (8 AM to 8 PM). Customers traveling abroad can contact 022-61606160.
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