HDFC Bank Freedom Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

Introducing the HDFC Bank Freedom Credit Card, a gateway to financial independence designed especially for newcomers to the world of credit cards. As an entry-level card, it provides a straightforward Reward Points system, coupled with an affordable annual membership fee of just Rs. 500. What’s more, diligent spenders can enjoy a waiver on the renewal fee by meeting a modest minimum spend criterion of Rs. 50,000 within a year.

With every Rs. 150 spent using this card, cardholders earn 1 Cash Point. Additionally, they can accumulate extra cash points on purchases made at popular brands like BookMyShow, OYO, BigBasket, and many others. An outstanding introductory benefit awaits new cardholders, offering a remarkably low interest rate of 0.99% for the initial 90 days following card activation.

Discover the possibilities that come with the HDFC Freedom Credit Card. Explore the world of financial freedom with this entry-level offering from HDFC Bank.

Rewards and Benefits

• Discover Great Deals on Dining and Movies with Swiggy Dineout!
• Indulge in your favorite movies and dining experiences while saving up to 20% with Swiggy Dineout! Whether you’re craving a delicious meal or eager to catch the latest blockbuster, this exciting offer has you covered.
• Earn Reward Points on Every Purchase!
• With our exclusive rewards program, you’ll earn 1 CashPoint for every Rs. 150 spent on all purchases. Plus, enjoy 5x CashPoints on EMI transactions at select merchant outlets, and a whopping 10x CashPoints on popular platforms like Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more!
• Redeem Your CashPoints for Exciting Rewards!
• Accumulated CashPoints can be easily redeemed for fantastic rewards or cashback. Each CashPoint is valued at Re. 0.15 when redeemed on SmartBuy or for cashback, ensuring that your loyalty pays off in more ways than one.
• No Travel? No Problem!
• While travel benefits are not applicable, our cardholders enjoy unparalleled savings and perks on everyday purchases, making every transaction more rewarding.
• Enjoy Peace of Mind with Zero Liability Protection!
• Rest easy knowing that you’re protected against fraudulent transactions with our Zero Liability Protection. In the unfortunate event of card loss or theft, you won’t be held liable for any unauthorized charges post-reporting to the bank.
• Experience the Best of Dining and Entertainment with Swiggy Dineout!
• With enticing discounts on dining and movies, along with a generous rewards program and comprehensive fraud protection, our card is your ticket to unforgettable experiences and unbeatable savings. Unlock a world of possibilities and start enjoying the perks today!

Fees & Charges

• Experience Exclusive Benefits and Savings with Our Credit Card!
• Spend Based Waiver: Unlock rewards effortlessly by spending Rs. 50,000 in the previous year, qualifying you for exciting benefits without any additional hassle.
• Redeem Rewards with Ease: Enjoy the flexibility of our rewards program with a minimal redemption fee of Rs. 99 per request (plus applicable taxes), allowing you to access your earned rewards conveniently.
• Shop Globally with Confidence: Seamlessly make international transactions knowing that our competitive foreign currency markup of 3.5% (plus applicable taxes) ensures you get the best value without compromising on convenience.
• Interest Rates Designed for You: Benefit from competitive interest rates tailored to your needs, with just 3.6% per month (or 43.2% per annum), and an introductory rate of 0.99% for the first 90 days, empowering you to manage your finances efficiently.
• Fuel Surcharge Waiver: Say goodbye to extra charges at the pump! Enjoy the convenience of a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 5,000 at filling stations nationwide.
• Convenient Cash Access: Need cash on the go? Our cash advance charges are transparent and affordable, with only 2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500), ensuring you have access to funds whenever you need them.
• Complimentary Add-on Card: Share the benefits with your loved ones at no extra cost! Enjoy the convenience of an add-on card with zero fees, extending the perks of your credit card to your family members seamlessly.
• Experience the Ultimate in Convenience and Savings: With our credit card, you’ll enjoy a host of exclusive benefits, transparent fees, and unparalleled convenience, making every transaction a rewarding experience. Apply now and elevate your spending to new heights!

Product Details

• Welcome to the World of Rewards with Our Exclusive Credit Card!
• Kickstart your journey with a generous welcome offer of 500 complimentary Cash Points, extending a warm greeting as you embark on a rewarding experience with us.
• Enjoy Exceptional Savings with a Low Interest Rate: Experience financial flexibility with our introductory offer of just 0.99% interest for the first 90 days from the issuance date of your card, allowing you to make purchases with confidence and ease.
• Maximize Your Rewards with 10X CashPoints: Elevate your shopping experience with 10X CashPoints on a wide range of popular brands, ensuring that every purchase brings you closer to exciting rewards and benefits.
• Unlock Even More Value with 5X CashPoints on EMI Spends: Say yes to convenience and savings with 5X CashPoints on EMI transactions at select merchant outlets, making big-ticket purchases more rewarding than ever before.
• Earn Rewards on Every Purchase: Whether you’re shopping, dining, or indulging in leisure activities, earn 1 CashPoint for every Rs. 150 spent with your card, adding up to a treasure trove of rewards with every swipe.
• Experience Unparalleled Convenience and Rewards: With our credit card, you’ll enjoy a seamless blend of convenience, value, and rewards, making every transaction an opportunity to save and earn. Join us today and start unlocking a world of benefits and possibilities!

Introducing the HDFC Bank Freedom Credit Card: Your Gateway to Affordable Rewards and Benefits!

Experience the allure of simplicity and value with the HDFC Bank Freedom Credit Card, a sought-after choice for those seeking a budget-friendly card with rewarding features. Tailored to cater to diverse needs, this card offers an array of welcome and renewal benefits, along with an attractive reward rate that promises to elevate your spending experience.

Enjoy Exclusive Benefits:

• Welcome/Renewal Bonus: Kickstart your journey with 500 bonus Cash Points upon successful payment of the joining fee. Plus, delight in an additional 500 bonus Cash Points every year upon card renewal, ensuring that your loyalty is duly rewarded.
• Fuel Surcharge Waiver: Say goodbye to extra charges at the pump! Enjoy a convenient 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 5,000 at filling stations across India, with a maximum waiver capped at Rs. 250 per statement cycle.
• Low-Interest Rate: Benefit from a competitive low-interest rate of just 0.99% per month for the first 90 days from the card setup date, applicable exclusively on retail and non-EMI transactions. After the introductory period, a standard interest rate of 3.6% per month applies, ensuring financial flexibility and affordability.
• Spend Based Waiver: Keep your renewal fee in check by spending Rs. 50,000 or more in the previous anniversary year, thus enjoying a waived renewal fee of Rs. 500.

Reward Points Galore:

• Earn 1 Cash Point for every Rs. 150 spent, allowing you to accumulate rewards with every transaction.
• Enjoy 5 Cash Points on every Rs. 150 spent on EMI purchases at select merchant locations, with a maximum earning potential of 2,500 Cash Points per month in this category.
• Indulge in accelerated rewards with 10 Cash Points for every Rs. 150 spent on leading brands such as BigBasket, OYO, Swiggy, Uber, and BookMyShow, with a monthly cap of 2,500 Cash Points.

Redeem Your Rewards:

• Unlock the power of your Cash Points by redeeming them for cashback, products from the HDFC product catalog, or hotel/flight bookings on SmartBuy. With 1 Cash Point valued at Re. 0.15, your rewards translate into tangible benefits and savings.
• Please note that certain transactions such as rent payments, fuel spends, cash advances, and government transactions are excluded from reward points redemption.

Fees and Charges:

• The joining and annual fee for the Freedom Card is Rs. 500 plus applicable taxes, with the renewal fee waived upon meeting the spend-based waiver criteria.
• Benefit from a cash advance fee of 2.5% of the withdrawn amount or a minimum of Rs. 500, ensuring access to funds whenever you need them.

Apply with Ease:

Applying for the HDFC Freedom Credit Card is hassle-free. Simply visit your nearest HDFC Bank branch to complete the physical application form, ensuring to carry all required documents. Alternatively, apply online for added convenience.

In Conclusion:

With its accessible eligibility criteria, nominal membership fee, and rewarding features across various spending categories, the HDFC Freedom Credit Card stands out as a top choice for first-time cardholders. Whether you’re a movie buff or a food enthusiast, this card promises to enhance your lifestyle with its attractive rewards and discounts. Share your thoughts on the HDFC Freedom Credit Card in the comments below, and existing cardholders are encouraged to share their experiences as well. Unlock a world of benefits and rewards with the HDFC Freedom Credit Card today!