HDFC Freedom credit card is one of the most attractive credit cards considering the various benefits it offers. Individualities who are looking to mileage some attractive benefits can read through to find out about various features and rewards that can be availed via this card.
Welcome Benefit
Get a welcome and renewal advantage of 500 reward points on fee achievement .
Birthday offer
- – Earn 25X reward points on your birthday spend.
- -10X Cash Points on your favourite dealers-Big Basket, Book Myshow, OYO, Swiggy & Uber (Maximum of Cash Points can be earned in a calendar month).
- Cardholders can make up to 1500 points per statement cycle on accumulative spends.
- 5X reward points on retail spend on cinema, dining, groceries, rails & cabs bookings.
- On Rs.90000 annual spends cardholders can win Rs.1000 gift vouchers.
- On Pay Zapp & Smart BUY spends cardholders can earn 10X reward points.
- Cardholders can check accumulated reward points in their card statement. Current month’s rewards would be posted in next month’s statement.
- 1 reward point on every Rs. 150 spent on all other categories.
- Capped into 1500 reward points per. statement cycle.
- Capped into 3000 reward points.
Foreign Exchange Markup fee=3.5 %+Service Tax
• Joining Fee =Rs.500 ( maybe waived in some cases)
• Renewal fee Reversed if you spend Rs.20000 in a year
Special Features No limits on earning reward points.
Fees & Charges
Cash advance fees:2.5 %of the amount or Minimum Rs. 500
Revolving credit charges:3.49% per month or41.88 annually
Payment return Fee: 2 %of the amount or minimum of Rs. 450
Reward redemption fee:Rs. 99 per request
Foreign currency mark-up fee:3.5% of the amount
Over limit account charge:2.5% of the amount or minimum of Rs. 500
Cash processing fee:Rs. 100
Balance transfer processing charge 1% of the amount or minimal Rs. 250
Re-issuance charge:Rs. 100
Late payment fees Less Than Rs. 100 – O
Rs. 100 to Rs. 500 –Rs. 100
Rs. 501 to Rs. 5000 –Rs. 500
Rs.5001 to Rs.10000 –Rs. 600
Rs.10001 to Rs.25000 –Rs. 800
Amount over Rs.25000 –Rs. 950
Fuel Surcharge Waiver
Fuel- surcharge waiver of 1 %on transactions between 400 and5000 ( limited at 250 per statement cycle)
Added Features
Zero lost Card liability In the unfortunate event of losing your HDFC Bank Freedom Credit Card, report it directly to our 24-hour call centre. On reporting the loss directly, you have zero liability on any fraudulent deals 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).
Eligibility
Salaried
Indian nationality. Age Min 21 yrs. & Max 60Yrs.,
Income Gross Monthly Income> ₹ 12000
Self Employed
Indian nationality. Age Min 21 yrs. & Max 65Yrs.,
Income ITR> ₹6.0 Lakhs per annum
documentation requirements
• Fully filled operation form
• Form 60 copy and PAN card.
• Evidence of income- Form 16, or latest salary slips or IT returns.
• Address evidence could be either of- PAN card, Passport, Aadhaar card or a copy of electricity bill.
• Identity evidence could be either Aadhaar card, PAN card or driving license.
• 2 passport-sized coloured photos.
