HDFC Bank Freedom Credit Card - Features, Rewards & Fees
The HDFC Bank Freedom Credit Card is one of the best choices for everyday expenses and big purchases. It offers CashPoints, dining privileges, fuel benefits, and EMI flexibility, making it ideal for regular spenders.
Key Features
- 10X CashPoints on partner merchants like BigBasket, BookMyShow, OYO, Swiggy, and Uber (up to 2,500 CashPoints per month).
- 1 CashPoint per ₹150 spent on all other purchases (excluding EMI, fuel, wallet loads, and vouchers).
- Swiggy Dineout Offer: Get 10% additional discount using coupon code HDFCCARDS.
- Welcome Benefit: Earn 500 CashPoints on payment of the joining fee.
- Renewal Offer: Spend ₹50,000 in a year to get annual fee waived.
- Interest-Free Credit Period: Up to 50 days on purchases.
- Revolving Credit Facility: Pay minimum due and carry forward the balance at nominal interest.
- Dining Privileges: Save up to 20% on restaurant bills through the Good Food Trail and Swiggy Dineout.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400–₹5,000 (max ₹250 per statement cycle).
- Zero Lost Card Liability: No liability on fraudulent transactions after immediate reporting.
- Smart EMI: Convert purchases above ₹2,500 into easy monthly installments.
- Contactless Payments: Tap-to-pay convenience for transactions up to ₹5,000.
Reward Redemption
- Redemption Rate: 1 CashPoint = ₹0.15
- Redeem for:
- Statement balance
- Flight and hotel bookings
- SmartBuy rewards catalogue
- Monthly Redemption Limit: 50,000 points for cashback and travel bookings.
- Validity: CashPoints are valid for 2 years from the date of earning.
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual Fee: ₹500 + taxes (waived on annual spends above ₹50,000)
- Interest-Free Period: Up to 50 days
- Finance Charges: As per HDFC Bank terms
- Fuel Waiver Limit: Up to ₹250 per billing cycle
Eligibility
For Salaried Applicants:
- Indian citizen
- Age: 21 to 60 years
- Minimum monthly income: ₹12,000
For Self-Employed Applicants:
- Indian citizen
- Age: 21 to 65 years
- Annual income (ITR): ₹6 lakh or above
Disclaimer
- Information is for reference purposes only and subject to change.
- Offers, rewards, and fees are as per HDFC Bank’s official policy.
- Always verify details on the official HDFC Bank website before applying.
