HDFC FREEDOM Credit Card (Updated on )


Joining Fee

Rs.500

Annual Fee

Rs.500 + Taxes

Welcome/Renewal Benefit

500 CashPoints (applicable only on payment of membership fee).

Additional Features

Zero lost Card liability, Interest Free Credit Period, Revolving Credit, Exclusive Dining Privileges

Smart EMI

HDFC Bank Freedom Credit Card comes with an option to convert your big spends into EMI after purchase.

Contactless Payment

The HDFC Bank Freedom Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

Renewal Offer

Get renewal membership fee waived off by spending ₹50,000 and above in an annual year.



Enjoy Great Saving with HDFC Credit Cards*





Key Features
  • 10X CashPoints on your favourite 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 ( Maximum of 2,500 CashPoints can be earned in a calendar month )
  • 1 CashPoint for every Rs.150 on other spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases )
  • Upto 20% discount on partner restaurants via Swiggy Dineout
Note:
  • With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
  • With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.
  • For Rupay Credit Cardholders, all UPI spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases ) will earn 1 RP for every Rs.150 spent and is capped at 500 reward points in a calendar month.
Additional Features
  • Zero lost card liability:In the unfortunate event of losing your HDFC Bank Freedom Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Interest-Free Credit Period :Avail up to 50 days of interest free period on your HDFC Bank Freedom Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
  • Revolving Credit: Enjoy Revolving Credit on your HDFC Bank Freedom Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.
  • Exclusive Dining Privileges:Enjoy amazing dining benefits with Good Food Trail program.
Welcome/Renewal Benefit
  • 500 CashPoints (applicable only on payment of membership fee)
Renewal Offer
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year
Contactless Payment
  • The HDFC Bank Freedom Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. To see if your Card is contactless, look for the contactless network symbol on your Card.
  • Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons.
Reward Points/Cashback Redemption & Validity
  • The CashPoints earned on HDFC Bank Freedom Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.15, and can be done via Net Banking login, or physical redemption form
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.15 and the rest of the amount will have to be paid via the Credit Card.
  • With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
  • With effect from 1st February 2023, cardmembers can redeem upto 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

HDFC Bank Freedom Credit Card ELIGIBILITY


For Salaried

Indian National

Age:

Min 21 years & Max 60 years

Net Monthly Income:

Above ₹12,000.

Min CIBIL Norms:

700 and above as per TransUnion score.

For Self Employed

Indian National

Age:

Min 21 years & Max 65 Years

ITR:

ITR > ₹6.0 Lakhs per annum

HDFC Bank Freedom Credit Card FEES & CHARGES


  • 1. Joining Fee / Renewal Membership Fee– ₹500 /- + Applicable Charges

  • 2. Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off

  • 3. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

**Apply for an HDFC Bank HDFC FREEDOM credit card, you can follow these steps**

Option: 1

1.If you are ready to apply immediately you Can click Apply Instantly hdfc bank HDFC FREEDOM credit card button placed here.

2.Still in case if you need more details, you can follow other 3 steps based on your convince you can select the options.

Option: 2

Fill the forms mentioned the same Page submit the form our Expert will call you Shorty.

Option: 3

You can reach through WhatsApp with this no +91 8722886633 give a request our team will text you shortly.

Option: 4

you can visit hdfcbank.com website directly.

**Follow The Steps**

Steps Involved in Online Application Process of hdfc bank HDFC FREEDOM credit card.

Step: 1

Enter Your Mobile number.

Step: 2

Enter Date of Birth or PAN Number.

Step: 3

Fill Online Application with below details.

1.line Application with below details. You'll need to provide personal information such as your name (AS PER PAN), date of birth, address, contact details, Email, employment details, income details, etc.

2.If you are existing HDFC Bank customer your details it will automatically details, get fetched. Otherwise fill it manually.

Step: 4

After filling form you can select the card type.

Step: 5

After entering all details it will check Credit Score Online it will Show Immediately Card is Approved or Not.

Step: 6

It will take you to upload Income Documents.

Step: 7

Next step is Aadhar Authentication process need to Enter Aadhar no and Verification code.

Step: 8

Select Card Delivery Address of your hdfc bank HDFC FREEDOM credit Card.

Step: 9

If you are an Existing Customer need to verify debit card or Net banking Details .
(In case if you are an non HDFC Bank Customer you will get Application no and VKYC (Video KYC ) Need to be completed)
Still if you are finding difficulties fill our Form our Officer will guide you step by step.

Step: 10

Once you've submitted the application and documents, HDFC Bank will review your application. This may take a few days.

Step: 11

Verification: HDFC Bank may conduct further verification checks such as checking your credit score, contacting you for additional information, etc.

Step: 12

Approval: If your application is approved, you will receive confirmation from HDFC Bank along with details of your new credit card, including the credit limit.

Step: 13

Your new HDFC Bank credit card will be sent to your registered address via mail/courier.

Step: 14

Activate the Card: Upon receiving the credit card, you'll need to activate it before you can start using it. Activation methods vary but usually involve calling a toll-free number or activating it online through the bank's website or mobile app.
Documents Required or Resources required
Keep below details and resource ready to Appy hdfc bank HDFC FREEDOM credit card.
Physical process Eliminated Completely from HDFC Bank Credit card process its completely digital process.
Aadhar card authentication.
Recent 1 Month pay slip soft copy needs to uploaded.
Internet Banking permission authentication or debit card authentication to validate Salary Account.
VKYC (video verification)
Original PAN card required to show in VKYC process.
Pen and Paper keep it ready during VKYC Process needs to be sign as per PAN card.
Card image