HDFC Freedom Credit Card
The HDFC Freedom Credit Card is the best credit card for beginners. The card comes with various features like discounts, cashback, reward points, and gift vouchers for dining, groceries, movies, and more. The best part about HDFC Freedom Credit card reward points is that they could be easily redeemed into cash.
Annual Fee- Rs 500
Key Highlights and Rewards Value
- Get a gift voucher worth ₹1000 on an annual spend of ₹90,000 and higher
- Welcome Benefit of 500 reward points on fee realization only
- Earn up to 25X reward points on spending made for celebrating birthdays ( Upto maximum reward points of 3000)
- Get 10X reward points on Payzapp & Smartbuy spends
REWARDS VALUE
₹150 = 1 Reward Points
Save up to ₹2488 on an Annual Spend of ₹4 Lakh
Features of HDFC Freedom Credit Card
Welcome Benefit
Earn 500 Reward Points on joining.
Renewal Benefit
Earn 500 Reward Points on renewal
Redemption
Earned reward points can be redeemed through catalog purchases or cashback.
Accidental Death Insurance Cover
Avail of this benefit by using the card at least 4 times a month. The primary cardholder is insured up to Rs. 50 lakhs
The eligibility criteria to apply for HDFC Freedom Credit Card:
Salaried
Age – 21 years-60 years
Minimum Income Required – Rs. 12,000 per month
Self Employed
Age-21 years-65 years
The minimum income required is Rs. 2 Lakh per annum
The applicant must have a stable job and a regular source of income.
He/She should have a decent credit score of 750, or above
Documents required to apply for HDFC Freedom Credit Card
Proof of Identity
PAN Card, Aadhaar Card, Passport, Voter’s ID Card, Driving License, or any other government-approved photo ID
Proof of Address
Aadhaar Card, Utility bills, Passport, (not more than 3 months old), or any other government-approved address proof
Income Proof
Latest 3 months bank statements, salary slips, 3 years ITR, Audited financials for the last two years (for self-employed), Form 16, etc.
Fee and charges of HDFC Freedom Credit Card
| Fee and Charges |
Amount |
| Annual Fee/ Renewal Fee |
Rs 500 |
| Reward Redemption Fee |
Rs 99 per request |
| Foreign Currency Markup fee |
3.5% of the amount |
| Cash Advance Charges |
2.5% of the amount withdrawn or Rs. 500 whichever is higher |
| Additional Card Fee |
NIL |
| Over Limit Charges |
2.5% of over limit amount, subject to a minimum of Rs. 550 |
| Reissue of lost, stolen, or damaged Credit Card |
Rs 100 |
| Payment Return Charges |
2% of Payment amount subject to a minimum of Rs. 450 |
| Cash processing fee |
Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs) |
| Balance Transfer Processing Fee |
1% of BT amount or Rs. 250, whichever is higher |
| Late Payment Charges |
For Statement Balance:
Less than Rs. 100 – Nil
Rs.100 to Rs.500 – Rs.100
Rs.501 to Rs.5,000 – Rs.500
Rs.5,001 to Rs.10,000 – Rs.600
Rs.10,001 to Rs. 25,000 – Rs.800
Rs. 25,000 to Rs. 50,000 – Rs. 1,100
Over Rs. 50,000 – Rs. 1,300 |
How to apply for HDFC Credit Card at IndiaLends
We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:
- Click here to start the application process.
- Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
- Find your preferred HDFC credit card from the list and check your eligibility for the same.
- If eligible, you can complete the online application
Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.
How to apply for HDFC Bank Credit Card on their official website?
- Visit the official website of HDFC Bank
- Click on the ‘Credit Cards’
- Click on the ‘Apply Now’ button
- Fill in your personal and income details
- Submit the application
- The executive will come to pick the necessary documents
- The bank would verify the details properly before approving the application
HDFC Freedom Credit Cards is one of the top credit cards of HDFC Bank under the category of ‘ ‘Reward Credit Cards’
