HDFC Freedom Credit Card: Features, Application Process, and Rs 1000 Voucher

Indulge in the perks of the HDFC Freedom Credit Card 2024, where everyday spending translates into rewarding CashBack. This credit card stands out for its high rewards, allowing you to earn points on every purchase. These accrued rewards points can effortlessly be redeemed for an enticing array of gifts and air miles, thanks to the exclusive rewards catalogue offered by HDFC Bank’s Freedom Credit Card. Experience the freedom to enjoy benefits with each swipe.

HDFC Freedom Credit Card Features 2024

Experience the richness of features with the HDFC Freedom Credit Card:

• Earn 5X reward points on Dining, Movies, Groceries, Railways, and Taxi expenses.
• Enjoy 10X reward points on PayZapp and SmartBUY spends.
• Avail 25X reward points on birthday expenditures.
• Easily redeem accumulated points for CashBack or choose from an extensive catalogue.

HDFC Freedom Credit Card Benefits

Unlock a host of benefits with the HDFC Freedom Credit Card:

• Receive a Gift Voucher worth Rs 1000 upon an annual spend of Rs 90,000 and above.
• Enjoy a waived Renewal fee by spending Rs 60,000 in the year before the renewal date.
• Avail Free Accidental Death Insurance up to 50 Lakhs.
• Benefit from Free Fire and Burglary protection for goods above Rs. 5000 for 180 days.
• Ensure a waiver of the minimum 4 transactions using the Credit card every month.

Eligibility for HDFC Freedom Credit Card

Your eligibility for the Freedom Credit Card is determined by the following criteria:

Customer Profile	Criteria
Salaried	Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 12,000
Self Employed	Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 2 Lakhs per annum

Exclusive Features and Benefits of HDFC Freedom Credit Card

Unlock a world of exclusive features and benefits with your Freedom Credit Card:

• Welcome Benefit: Receive 500 reward points upon fee realization.
• Birthday Bonanza: Earn 25X reward points on Birthday spends, up to a maximum of 3000 points.
• PayZapp & SmartBUY Rewards: Earn 10X reward points on PayZapp and SmartBUY spends, with a maximum of 1,500 points per statement cycle.
• 5X Reward Points: Enjoy 5X reward points on Movies, Dining, Groceries, Railways, and Taxi spends, up to a maximum of 1,500 points per statement cycle.
• General Spending: For all other categories, earn 1 reward point for every Rs. 150 spent, with a maximum of 1,500 points per statement cycle.
• Gift Voucher: Receive a gift voucher worth Rs. 1000 on annual spends of Rs. 90,000 and above. Click here for more details
• Flexible Redemption: Redeem points for exciting gifts from the exclusive Reward Catalogue (100 Points = Rs. 15) or for CashBack (100 Points = Rs. 10).
• Annual Membership Fee Waiver: Spend Rs. 60,000 in a year and enjoy a waiver of the next year’s annual membership fee.
• Renewal Bonus: Receive 500 reward points on renewal fee realization.

Important Notes:

• Reward points for eligible transactions will be posted in the next statement.
• Redemption of points for CashBack will occur in multiples of 500.
• Welcome and renewal benefits are applicable only on payment of the membership fee and not applicable when the fee is waived off.
• For Terms & Conditions on reward points & annual/renewal fees, click here.

Fuel Surcharge Waiver: Enjoy a convenience fee waiver of 1%, capped at Rs. 250 per statement cycle (applicable on transactions between Rs. 400 and Rs. 5,000). GST will be applicable.

Contactless Payment Technology: The HDFC Bank Freedom Card is equipped with contactless payment technology, ensuring fast, convenient, and secure payments at retail outlets. Look for the contactless symbol on your card to make quick transactions at supported merchant locations.

Note: In India, contactless payments are allowed for a maximum of Rs. 2000 for a single transaction without inputting your Credit Card PIN. For amounts equal to or exceeding Rs. 2000, entering the Credit Card PIN is required for security reasons.

Safe & Secure Transactions

Ensure the safety of your transactions with the HDFC Freedom Credit Card:

• Chip Card Security: Dip your Chip Card at any Chip-enabled Point of Sale (POS) or swipe it at any non-chip POS (Regular POS) for secure transactions.
• Zero Liability on Lost Card: In case of a lost card, promptly report it to our 24-hour call centre. Following the report, you bear zero liability for any fraudulent transactions conducted on your card.
• Revolving Credit: Experience the flexibility of revolving credit on your Credit Card, offering a nominal interest rate. Refer to the Fees and Charges section for details.
• Interest-Free Credit: Enjoy up to 50 days of interest-free period from the date of purchase, subject to the timely submission of the charge by the Merchant.

Fees and Charges for HDFC Freedom Credit Card

Discover the applicable fees and charges for the HDFC Freedom Credit Card:

• First Year & Renewal Fee: Rs. 500/- (GST* as applicable)
• Annual Membership Fee Waiver: Spend Rs. 60,000 in a year to enjoy a waiver of the next year’s annual membership fee. As of 15th Feb ’19, the revised spend accrual for the waiver is Rs. 50,000.

How to Redeem Reward Points?

To redeem your reward points, follow these simple steps:

1. Log in to your account through Net Banking.
2. Navigate to Cards → Enquire → Redeem Reward Points.
3. The minimum reward points required for redemption is 500.

How to Register for Online Credit Card Service (Netbanking)?

If you are an existing HDFC Bank account holder and have already registered for NetBanking, you can easily register for the Online Credit Card service:

1. Step 1: Log in to NetBanking with your Customer ID and password.
2. Step 2: Inside NetBanking, click on the “Credit Cards” tab.
3. Step 3: Click on the “Register New Card” link on the left-hand side.
4. Step 4: Enter your Credit Card number, expiry date, credit card ATM PIN, and click on “Submit.”

HDFC Freedom Credit Card 2024 – FAQ