Key Highlights Of The Newly Launched HDFC Bank Freedom Credit Card

By | August 29, 2019

If you’re looking for a card that’s loaded with rewards, your search ends here! Say “hello” to the HDFC Bank Freedom Credit Card!

Love making the most of your expenses? Do cashback and reward points mean a lot to you? We’re happy to announce the launch of the HDFC Bank Freedom Credit Card. Here’s everything you need to know!

The HDFC Bank Freedom Credit Card is a rewards card that comes with a wide range of benefits and features. We’re sure you’ll love this card as it offers you with reward points on every purchase you make. In addition to that, you’ll get accelerated 25X reward points on your birthday spends, PayZapp spends and more.

And that’s not all! With the HDFC Bank Freedom Credit Card, you will also receive benefits from various other categories such as fuel, insurance, etc. Ready to check out the reward points?

What are the features and benefits of the Freedom Credit Card?

  • A welcome benefit of 500 reward points
  • You’ll get 1 reward point with every Rs. 150 spent on your card
  • On paying the renewal fee, get 500 reward points as a renewal bonus
  • Enjoy 5X reward points on your dining, grocery, taxi bookings, railway bookings, and movie spends
  • Make the most of your birthday with 25X reward points on expenses made with this card
  • Get 10X reward points on purchases made via PayZapp and SmartBUY
  • This card rewards you with a gift voucher worth Rs. 1,000 once your annual card spends cross Rs. 90,000
  • The renewal fee will be waived if your annual spends are more than Rs. 50,000
  • Enjoy an interest-free period of up to 50 days

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What you’ll also love

  • The membership fee for the next year is waived if you spend Rs. 60,000 during the current year via your card
  • A fuel surcharge of 1% will be waived on your fuel purchases ranging between Rs. 400 and Rs. 5,000, capped at Rs. 250 per statement cycle

Additional Reading: Incorporating Your Credit Card Into Your Budget

What is the credit limit on the HDFC Bank Freedom Credit Card?

The credit limit of the Freedom Card is completely at the discretion of the bank. Your credit limit will also be decided based on your credit history and credit profile. The bank looks at these factors amongst others before assigning a limit on your card.

You can easily redeem reward points through offline or online methods. For the offline method, the accumulated reward points can be redeemed as both cash and rewards. You can fill the request form available at the form center and send it to HDFC’s Chennai address.

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How to redeem reward points earned on the HDFC Bank Freedom Credit Card offline?

You will need to download the Rewards Redemption Form from the HDFC Bank website. The details will need to be filled and sent to the following address:

Rewards Helpdesk,
HDFC Bank Cards Division,
P.O. Box No. 8654,
Thiruvanmiyur, P.O.,
Chennai – 600041.

Once you apply for the HDFC Bank Freedom Credit Card, you’ll receive a call from the bank executive within 24-48 hours. You can also clarify these details with the bank executive.

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How to redeem reward points earned on the HDFC Bank Freedom Credit Card online?

Requests for redeeming your accumulated points can also be made through net banking. You can log in to your Net banking account and redeem your reward points online.

The cash redemption option is available under ‘Cards > Enquire > Redeem Reward Points > Cash Redemption’ in the net banking account. Here are the steps you need to follow:

  • Log in to your HDFC Bank net banking account and click on the ‘Credit Cards’ tab
  • Register your card and then click on ‘redeem reward points’ and select ‘continue’
  • The website will then redirect you to the rewards redemption page. Select ‘Redeem Reward Points’
  • Click on the category of the item you need. After doing so, select the points range to check the various products
  • Continue to select the items and add them to the cart for purchase
  • After you have chosen the products, click on ‘view your shopping cart’. You will need to read the terms and conditions and check the box
  • Once done, click on ‘redeem’. The redemption order number which is given must be noted down for future references

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What is the eligibility criteria for the HDFC Bank Freedom Credit Card?

  • You must be a salaried individual between 21 – 60 years of age. If your gross monthly income is more than Rs. 12,000, you’ll be eligible for this card
  • If you’re a self-employed individual, you must be between 21 – 65 years of age and your income tax returns must be greater than Rs. 2 lakh per annum
  • You must be a resident or a non-resident of India
  • If you wish to nominate an add-on cardholder, he/she must be at least 15 years of age

Additional Reading: How To Get A Higher Credit Limit?

What are the documents required to apply for the HDFC Bank Freedom Credit Card?

  • A copy of Form 60 and your PAN card
  • Duly filled application form with the necessary details
  • For proof of income, you can use any of the following – your Form 16, latest salary slips or IT returns
  • 2 passport-sized coloured photographs
  • For address proof, you can choose any of the following – your PAN card, passport, Aadhaar card or a copy of your electricity bill
  • An identity proof which includes Aadhaar card, PAN card or driving licence

Additional Reading: Must Know: Credit Card Application And Approval Process

How secure is the HDFC Freedom Card?

The HDFC Bank Freedom Credit Card comes with chip card technology which makes tampering with the card or copying the card’s information impossible. Further, the technology makes it super easy to make point of sale (POS) transactions with the card. Users just need to dip the card at chip-enabled POS terminals, while they can swipe as usual at non-chip-based terminals.

Now that you’re aware of the benefits of the HDFC Bank Freedom Credit Card, why not go ahead and check your eligibility? Just click here to get started.

Additional Reading: How Is Credit Card Information Stolen And What Are The Ways To Prevent It?

If you’re on the lookout for other shaandaar Credit Cards and dream deals on Personal Loans, you’re at the right place!

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