HDFC Freedom Credit Card Review

The HDFC Bank Freedom Credit Card is an entry-level credit card for low-income individuals. The main problem with basic credit cards is that these cards offer a very low amount of benefits compared to other credit cards. But this card seems to be different.

It offers reward points, exclusive discounts on dining, lost card liability coverage, fuel surcharge waiver, annual fee waiver, and a lot of other useful HDFC credit card features. Now let’s discuss the benefits in detail and see how much you can get out of this card. 

Required Eligibility For HDFC Credit Card:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The applicant should have an average monthly income of Rs 12,000. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The annual income Tax return should be greater than Rs. 6 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score is needed to apply for this card. 

If you have the above-stated eligibility criteria, then you can submit your hdfc online credit card application from the hdfc online credit card application portal or you can go offline and apply by visiting your nearest hdfc credit card branch. Click here to know the application process.

Required Documents To Apply For HDFC Bank Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • 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

Once your application for hdfc credit card is submitted successfully, you can track your credit card application online. Click here if you want to know how to track hdfc credit card application status.

HDFC Credit Card Annual Charges:

  • HDFC bank credit card joining fee:Rs. 500 + GST
  • HDFC freedom credit card annual fee: Rs. 500 + GST

There are several options to make your hdfc card credit card payment online, you can make your hdfc credit card payment through net banking account, PayZapp, or by using any credit card payment app. But if you don’t like the online method, you can pay your credit card bill offline. Click here for the list of offline hdfc credit card payment options.

HDFC Freedom Credit Card Benefits: 

  • Exclusive welcome benefit:

HDFC welcomes its customers in style. With the activation of hdfc credit card, you will be welcomed with 500 CashPoints. The points will be credited to your hdfc credit card account just with the payment of the first-year joining fee.

  • Exclusive reward points:

You will be rewarded with almost every credit card transaction you perform, for your convenience, we have illustrated the hdfc bank credit card offer in the table given below. 

Spend category Total benefit
On every transaction made on Big Basket, BookMyShow, OYO, Uber, and Swiggy. 10X cash points (Maximum 2500 points in a hdfc credit card billing cycle)
EMI transactions at merchant locations.  5X points (Maximum 2500 points in a hdfc credit card billing cycle)
For all other Rs. 150 transactions made with this card*.  1 CashPoint.

*You will not get any hdfc credit card point for fuel purchases, wallet top-ups, gift voucher purchases, etc. The redemption of hdfc credit card points can be done in a number of ways.

You can use your earned points for hotel and flight booking, to purchase products from SmaryBuy, or the hdfc credit card rewards points catalog. You can also redeem hdfc credit card points in cash.

If you use your points for travel booking or to buy products from SmartBuy, you can get up to 50% of your booking value. And if you want to redeem them into cash the minimum redemption value should be Rs. 500. 

The hdfc credit card 1 reward points value depends on how you redeem them. You can get a clear idea about hdfc credit card point’s value from the table given below. 

HDFC bank credit card reward point’s value depends on the redemption method
Airmiles Travel booking and SmartBuy Cashback Reward catalog
Rs. 0.15 Rs. 0.15 Rs. 0.15 Rs. 0.15

You can check hdfc credit card reward points from your hdfc bank credit card netbanking account. But if you don’t have the access to this hdfc credit card facility, you can just call the hdfc credit card customer care and ask them for the information. 

  • Premium dining experience:

Using this credit card of hdfc bank, you can enjoy dining at some of the most premium restaurants with up to a 15% discount on your dining bill. 

  • Freedom from fuel surcharge:

On this freedom card hdfc bank offers a 1% waiver on fuel surcharges. This hdfc credit card offer is applicable at all the fuel stations in India. You can get a maximum of Rs. 250 waiver in a hdfc credit card billing cycle and the transaction amount should be between Rs. 400 to Rs. 5000.

  • Opportunity to make your card lifetime free:

IF you can spend Rs. 50,000 with your card in a year, you will get a complete waiver on the next year’s hdfc freedom credit card annual charges. So if you want to make your hdfc credit card free for lifetime, you just have to keep spending Rs. 50,000 every year with your card. 

  • Lost card liability coverage:

On this freedom credit card hdfc bank offers lost card liability coverage; it gives you freedom from your liabilities related to your lost or stolen card. To enjoy the benefits of the coverage you just have to report the loss by calling the toll free number of hdfc credit card customer care as soon as you notice it, and you will not be liable for anything bad that may happen to your card. 

You can block the hdfc credit card instantly from the mobile app for hdfc credit card. Click here if you want to know the process of blocking hdfc credit card.

  • Auto bill payment option:

HDFC bank has an automatic bill payment option named SmartPay. With the help of this hdfc credit card facility , all your monthly utility bills will be paid automatically within the due dates. You can control the SmartPay option from your hdfc credit card internet banking account. 

  • Advanced contactless payment facility: 

This card is equipped with an advanced credit card contactless payment facility; this hdfc credit card feature allows you to make credit card payments with just a wave at any secured reader machine. This payment option is very helpful in preventing credit card skimming. You can also set a limit for credit card contactless payment from the hdfc credit card mobile app

Applicable Charges Of HDFC Bank Credit Card:

  • Cash Withdrawal Charge: For cash withdrawal using hdfc credit card you will be charged at a rate of 2.5% against the withdrawn amount, min Rs. 500.
  • Finance Charges: For the first 90 days of card activation the hdfc credit card interest charges will be just 0.99% per month*, and after that, it will be 3.6% monthly or 43.2% annually.
  • Foreign currency transaction charge: 3.5% against the transaction amount. 
  • HDFC bank credit card add-on card fee: Free for a lifetime. 

*The low-interest-rate offer is not applicable on any kind of credit card loan or SmartEMI for these categories the applicable interest rate will be 3.6% per month. 

HDFC Credit Card Customer Care Contact Details:

  • Call the hdfc credit card customer care toll free number: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card customer care email id: [email protected] 

100xGain Ratings: 

7.5/10

Final Opinion:

The HDFC Bank Freedom credit card is the best credit card from hdfc bank for those who have a good credit score but don’t have enough experience with a credit card. It comes with exclusive reward points, fuel surcharge waiver, discount on dining, lost card liability coverage, annual fee waiver, etc.

In fact, at an annual fee of just Rs. 500 per month, it is a very good deal, and if you are looking for an entry-level credit card then you should definitely go for this card. 

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