Following are the key HDFC Freedom credit card benefits:

• Get up to 3 add-on credit cards for free with Freedom Credit Card HDFC.
• 1% fuel convenience fee waiver.
• This card is chip-enabled ensuring safe & secure transactions.
• Zero liability on lost credit card if reported immediately
• HDFC Bank Freedom Credit Card is a contactless credit card, facilitating fast, convenient & secure payments at retail outlets.
• Get the next year’s annual membership waived off on spending Rs. 50,000 or more in a year. 

Welcome Benefits

• Get a welcome as well as renewal benefits of 500 reward points on fee payment.
• Get a gift voucher worth Rs. 1,000 on annual spends of Rs. 90,000 or more.

Reward Points

• Earn 1 reward point on spending every Rs. 150.
• Earn 25X reward points (maximum up to 3000 reward points) on spending made on your birthday.
• Get 10X reward points (maximum up to 1500 reward points per statement cycle) on all PayZapp & SmartBuy spends.
• Earn 5X reward points (maximum up to 1500 reward points per statement cycle) for spending on dining, movies, groceries, railways and taxis.
• Redeem accumulated reward points for cash back (1 Point = 10 paise) or product catalogue (1 Point = up to 15 paise) or Flight & Hotel bookings on Smartbuy (1 point = 10 paise).
• You can redeem up to a maximum of 50% of your booking value through reward points.

Fuel Convenience Fee Waiver

• Get 1% waiver of convenience fee on fuel with HDFC Freedom Card.
• Maximum benefit is capped at Rs.250 per statement cycle.
• Offer is applicable on minimum transaction of Rs. 400 and maximum Rs. 5,000.
• GST will be applicable additionally.

Following are the HDFC Freedom credit card annual fee, joining fee and other charges associated with the card:

• Joining fee: Rs. 500
• Annual fee: Rs. 500. Spend minimum Rs. 50,000 in a year and get the next year’s annual membership waived off.
• Cost per Point (in Rs.): Up to 0.15 for Product Catalogue, 0.1 for SmartBuy (Flights/Hotels) with 50% capping, and 0.1 for Cashback.
• Cash advance fee: 2.5%, minimum Rs. 500. 
• Interest: 3.49% per month interest will be charged on any outstanding amount carried beyond the bill due date after an interest free period of up to 50 days from the date of purchase. If card is issued against a fixed deposit, 1.99% interest per month will be charged.
• Auto EMI conversion charges: 20% HDFC Freedom credit card interest rate and processing fee of Rs. 99.
• Late payment charges: Up to Rs. 1,300.
• Cash advance charges: 2.5% of amount withdrawn or Rs. 500, whichever is higher.
• Charges on overlimit account: 2.5% of the overlimit amount, minimum Rs. 500.
• Cash processing fee: Rs. 100. 
• Payment return charges: 2%. 
• Rewards redemption fee: Rs. 99 per redemption request. 
• Balance transfer processing fee: 1% of balance transfer amount or Rs. 250, whichever is higher.
• Foreign currency transactions: 3.5%
• Railway ticket purchase charges: 1% of the transaction amount + GST.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Reissuance of lost/stolen/damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 to Rs. 50.
• Goods and Services Tax (GST): GST will be charged wherever applicable.
• TDS on withdrawals above Rs. 1 Crore: 2% on total cash withdrawals above Rs. 1 Crore.

Following are the HDFC Freedom credit card eligibility criteria in detail:

Eligibility for Salaried:

• The applicant should be an Indian citizen.
• The minimum age of the applicant should be 21 years and maximum up to 60 years.
• Net monthly income of the applicant should be at least Rs. 12,000.

Eligibility for Self-employed:

• The applicant should be an Indian citizen.
• The minimum age of the applicant should be 21 years and maximum up to 65 years.
• Annual income of the applicant should be at least Rs. 2 Lakhs per annum.

If you want HDFC Freedom Credit Card apply online with the following documents:

• Address Proof (any one of the following):
  • Aadhaar Card
  • Passport
  • Voter ID
  • Ration Card
• Identity Proof (any one of the following):
  • Aadhaar Card
  • Passport
  • Driving License
• Income Proof: 
  • Salary Slips
  • Form 16
  • Income Tax Returns

If you want to get HDFC Freedom credit card apply online through our website by following the steps given below:

• Click on the ‘Credit Cards’ on the homepage of our website.
• From the dropdown menu, choose ‘HDFC’ and then click on the ‘Apply Now’ button.
• Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
• Verify your mobile number with an OTP.
• You will get a call from our credit cards expert soon to help you complete the credit card application process.