HDFC Freedom Credit Card

The HDFC Freedom Credit Card is a perfect entry-level option from HDFC Bank, tailored for first-time cardholders. This rewards-based credit card has a low annual membership fee of Rs. 500, with a chance to waive the renewal fee if you spend Rs. 50,000 or more in a year. 

Key Features of the HDFC Freedom Credit Card 

Reward Points and Cashbacks 

• Earn 1 Cash Point for every Rs. 150 spent. 
• Get bonus Cash Points on popular platforms like BookMyShow, OYO, BigBasket, and more. 
• Enjoy 5X Cash Points on EMI purchases and 10X Cash Points on select purchases such as BigBasket, BookMyShow, OYO, Swiggy, and Uber. 

Introductory Offer 

• Benefit from a low-interest rate of 0.99% for the first 90 days after activation. 

Dining Discounts 

• Receive up to 20% discount at partner restaurants through Swiggy Dineout. 

Fuel Surcharge Waiver 

• Get a 1% waiver on fuel surcharge for transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month. 

Annual Fees and Charges 

• Joining Fee: Rs. 500 
• Renewal Fee: Rs. 500 + taxes (waived if annual spend exceeds Rs. 50,000) 
• Interest Rate: 3.6% per month 

Late Payment Charges 

• Outstanding balances incur varying late fees, from Rs. 100 for amounts up to Rs. 500, to Rs. 1,300 for amounts over Rs. 50,000. 

Eligibility Criteria 

• Salaried Individuals: Age 21-60, minimum income Rs. 12,000 per month. 
• Self-Employed Individuals: Age 21-65, minimum income Rs. 6 lakhs per annum. 

Required Documents 

• Form 60 and PAN card copies. 
• Completed application form. 
• Address proof (PAN card, passport, Aadhaar card, utility bill). 
• Identity proof (Aadhaar card, PAN card, driving license). 
• Proof of income: Form 16, latest salary slips, or IT returns. 
• Two passport-sized color photos. 

The HDFC Freedom Credit Card offers great benefits like cashbacks, reward points, and dining discounts. It's a good choice for travel credit cards and credit cards for cashbacks. If you're looking for an easy and rewarding card, consider the HDFC Freedom Credit Card. 

How to Apply for the HDFC Freedom Credit Card 

HDFC Bank offers customers the convenience of applying for credit cards both online and in-person. Here’s how you can apply for the HDFC Freedom Credit Card: 

Offline Application: 

1. Visit your nearest HDFC Bank branch. 
2. Complete a physical application form. 
3. Ensure you have all the required documents with you. 

Online Application: 

1. Visit the official HDFC Bank website. 
2. Navigate to the Personal Banking section and click on "Cards." 
3. Select "Credit Cards." 
4. Browse the credit cards page to find the HDFC Freedom Credit Card in the 'other credit cards' section. 
5. Click on "Apply Now." 

OR 

Personal Loans with clear terms and transparent fees.

Compare Loan Options

Credit Cards with low interest rates and no surprise charges.

Find the Right Credit Card for You

Credyfi is your one-stop finance app for learning and practical tools. Discover finance through videos, quizzes, and news while getting the best credit cards and loans. Explore personalized recommendations and practice trading stocks risk-free. Take control of your finances with Credyfi – where learning meets opportunity!