HDFC Bank Business Freedom Credit Card is one of the low-cost business credit cards offered by HDFC bank. A business credit card is helpful in many ways, it helps you to maintain your day to day expenses more easily, business cards often offer some useful tools that can save you a lot of time and effort, and last but not least you will get easy access to credit which is a very good backup to have. Now let’s take a look at the hdfc freedom credit card details and see how much benefit it can actually offer us?
HDFC Freedom Credit Card Eligibility Criteria:
HDFC bank has not clearly mentioned the credit card requirements to apply for this card. But as per our experience, we can say that it should be like this.
- Resident Type: Indian
- Employment type: Self-employed.
- Age: 21 to 65 years.
- Income: Annual income tax return should be greater than Rs. 6 lakh.
- A long relationship with the bank will help you to get this hdfc freedom credit card .
- A good credit score (above 760) is mandatory to get this card.
If you don’t know how to apply for credit card in hdfc bank , then you can visit our FAQ page for the complete hdfc credit card application process.
Required Documents for HDFC credit card application:
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Utility bills
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- PAN Card
- Two recent passport-sized photographs
- Proof of income statement:
- Salaried Person (any 1)
- Salary Slip of last 3 months
- ITR (Income Tax Return)
- Self-employed person
- Income tax return of the last year
- Proof of business
- Salaried Person (any 1)
With a successful hdfc credit card new application submission, you will get an application number, you can track your hdfc credit card applications status using this number. You can click here for the complete process of hdfc credit card tracking with app no.
Hdfc bank freedom credit card fees:
- HDFC credit freedom card joining fee: Rs. 500 + GST
- HDFC Freedom Credit Card annual fee : Rs. 500 + GST
There are lots of options available to make your hdfc credit card payment online , for instance, you can make your hdfc credit card payment from netbanking account, via PayZapp, or by using a credit card payment app. But if you don’t want to pay hdfc credit card bill online then there is also an offline option available. You can visit our FAQ page for all available offline hdfc credit card bill payment options.
HDFC Freedom Credit Card benefits:
Attractive cashback offer:
This hdfc freedom credit card offers up to 5% cash back on dining, movies, cab rides, bill payments, or on your spending made at supermarkets.
Exclusive reward points:
Earning reward points is very easy with this card. You will be rewarded for every Rs. 150 spent with this card.
You can see your total earned hdfc bank credit card reward points from your monthly hdfc credit card account statement or from your hdfc credit card online netbanking account. IF you don’t know how to get hdfc credit card statement, then feel free to visit our FAQ page.
You can redeem your earned points into cash using your hdfc card netbanking account, or you can use the points to get a product from the hdfc bank credit card reward points redemption catalogue.
Freedom from fuel surcharges:
Use this hdfc credit freedom card to purchase fuel and you will get up to Rs. 250 monthly waiver on fuel surcharges. This hdfc credit card offer is applicable to almost all fuel stations in India. The transaction amount should be between Rs. 400 to Rs. 5000. You will not get any hdfc bank credit card reward points for fuel purchases.
Opportunity to make your card lifetime free:
If you can spend Rs. 20,000 with your hdfc freedom card within a year, you will get a complete waiver on your next year’s hdfc credit card annual fee . So if you want to make your credit card lifetime free , you just have to continue spending Rs. 20,000 per year.
Easy EMI option:
Now you can purchase your office essentials in bulk because, with the EasyEMI feature, you can convert your high-value hdfc credit card purchase into emi.
If you don’t know how to convert hdfc credit card outstanding into emi , then feel free to visit our FAQ page to know the complete process. You can calculate the applicable hdfc credit card emi interest rate from the HDFC credit card emi calculator.
Feel more secure with the advanced EMV chip:
This hdfc freedom credit card is equipped with an advanced EMV chip. These chips use a very unique encryption method, which offers way more security than the previous magnetic strips.
But fraudulent transactions can happen at any time, if you ever notice something unusual with your hdfc credit card account , you should immediately contact the hdfc credit card help line no and report the same. If you want then you can also block your credit card account temporarily from your hdfc credit card online net banking account. If you want to know the process of temporarily blocking credit card accounts, then feel free to visit our FAQ page.
Hdfc freedom credit card charges:
- Cash Withdrawal Charge: 2.5% against the transaction amount. Make sure to check your hdfc credit card maximum limit before making a withdrawal.
- Finance Charges: The rate of hdfc credit card interest per month is 3.49% or 41.88% per yea.
- HDFC credit card international transaction charge: 3.5% against the transaction amount.
- HDFC add on credit card fee: Free for a lifetime.
How to Contact HDFC freedom Credit Card customer care number:
- Call the hdfc credit card toll free no: 1800-266-4332 (Toll Free) or 022-616-6161
- Write to the hdfc bank credit card customer care email id: [email protected]
If you don’t want to continue with your current HDFC credit card , then you can cancel hdfc credit card account very easily. You can visit our FAQ page to know the complete hdfc credit card cancellation process.
The Business freedom hdfc credit card is a basic credit card, best suited for first-time applicants. As expected from a basic credit card, there is nothing extraordinary on this card. But you will get some good cashback and reward points, fuel surcharge waiver, etc.
But as said before there are some major flaws on this HDFC credit card . For example, it does not offer any lounge access or travel-related benefits, both of which are extremely useful for business-related travels. But if you are a small business owner and you need a credit card just to take care of your financial needs, then you should go for this card.