The HDFC Freedom Credit Card is perfect for those who are new to credit cards with a low annual fee. For every ₹150 you spend, you’ll earn 1 CashPoint, and if you shop on popular sites like BigBasket and Swiggy, you can earn an incredible 10X CashPoints! As a warm welcome, new users receive a bonus of 500 CashPoints when they pay the joining fee.This card is powered by the RuPay platform, allowing you to link it with payment apps like PhonePe, Paytm, and Google Pay for convenient UPI transactions directly through your credit card. You will also enjoy a 1% waiver on fuel surcharges, adding to the card’s convenience for everyday spending.
HDFC Freedom Credit Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Entry Level Card |
|
Annual Fee |
₹500+ GST |
|
Reward Rate |
0.1% |
|
USP |
10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber |
|
Best Use For |
Payments on Partner Merchants |
Joining & Renewal Fees
| Category | Details |
|---|---|
|
Joining Fee |
₹500+ GST |
|
Joining Benefit |
500 CashPoints (worth ₹75) |
|
Welcome Benefit Criteria |
Make the payment of membership Fees. |
|
Renewal Fees |
₹500+ GST |
|
Renewal Benefit |
500 Cashpoints(worth ₹75) |
|
Renewal Waiver |
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year |
Cashback Points Earning Potential
Cashback Redemption
This card offers various redemption value at different segments.
| Type | Value of 1 Reward point |
|---|---|
|
Product Catalogue |
upto 0.15 |
|
Unified SmartBuy (Flights/Hotels) |
0.15 |
|
Cashback |
0.15 |
|
Airmiles |
0.15 Airmiles |
Design & Appearance
The HDFC Bank Freedom Credit Card is designed as an entry-level card, featuring a contemporary look with a blend of blue and white colors, prominently displaying the HDFC Bank logo. It includes an EMV chip for enhanced security and is enabled for contactless payments, allowing for quick transactions at compatible terminals. Adhering to standard dimensions, the card is user-friendly, making it suitable for first-time users.
Foreign Currency Transaction Fee (Forex)
This Credit card charges a 3.5% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available to individuals with a monthly Salary of ₹ 12,000 and for self-employed, who have an annual income of at least ₹ 6 lakh as per your ITR with good credit score.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 maximum waiver amount is capped at ₹250 per statement cycle.
Add-On Cards
The Freedom Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
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Frequently Asked Questions
You will receive 500 cashpoints after paying joining fees of the credit card
The maximum reward rate can be achieved by spending on partner merchants.
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is ₹500+ GST.
Conclusion
The HDFC Freedom Credit Card is a fantastic option for those new to credit cards. The card has low fees with a user-friendly design and a generous rewards program, this card is ideal for those seeking to maximize their spending benefits while enjoying additional perks Overall, this card serves as a strong stepping stone into the world of credit cards, delivering meaningful benefits that cater to your everyday needs