HDFC Freedom Credit Card: A Lifetime Free Card with Great Benefits in 2023

The HDFC Freedom Credit Card is a popular choice for Indian consumers looking for a no-annual-fee card with great rewards. The card offers a vriety of benefits, including up to 50 days of interest-free credit, reward points on every purchase, and a lifetime free benefit for spending Rs. 50,000 or more in a year.

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Key Features

No annual fee: The HDFC Freedom Credit Card does not charge an annual fee. This can save you a significant amount of money over the life of the card.

No joining fee: The HDFC Freedom Credit Card does not charge a joining fee. This is another great way to save money.

Low processing fee: The HDFC Freedom Credit Card has a low processing fee. This means that you will pay less when you use your card to make purchases.

Up to 50 days of interest-free credit: The HDFC Freedom Credit Card offers up to 50 days of interest-free credit. This means that you can make purchases now and pay them off later without incurring interest charges.

Reward points on every purchase: You can earn reward points on every purchase you make with your HDFC Freedom Credit Card. These points can be redeemed for a variety of rewards, including airfare, hotel stays, gift cards, and merchandise.

Lifetime free benefit: If you spend Rs. 50,000 or more on your HDFC Freedom Credit Card in a year, your annual fee will be waived for the next year. And if you continue to meet the spending requirement each year, your card will remain lifetime free.

Rewards

Airfare: You can redeem your reward points for airfare on a variety of airlines.
Hotel stays: You can redeem your reward points for hotel stays at a variety of hotels.
Gift cards: You can redeem your reward points for gift cards to a variety of retailers.
Merchandise: You can redeem your reward points for merchandise from a variety of catalogs.
Cashback: You can redeem your reward points for cashback, which can be used to offset your credit card bill.

Eligibility

To be eligible for the HDFC Freedom Credit Card, you must:

Be a resident of India
Have a minimum age of 21 years
Have a minimum annual income of Rs. 3 lakhs
Have a good credit score

Apply for HDFC freedom credit Card

Click Here to Apply

Exclusive reward points and cashbacks on online spends
🎁 Welcome benefits
💵 Vouchers on monthly spends
✈️ Complimentary Airport Lounge access
⛽ Fuel surcharge waiver https://sales.gromo.in/hd/9Qs2o9Rx4I15lnnaL8ah_

Here are the reward point benefits of the HDFC Bank Freedom Credit Card, along with some unique information:

With every Rs.150 spent, get 1 reward point. This is a standard reward point rate for most credit cards.
Get 25X reward points on all your birthday spends. This is a great way to earn extra points on your birthday.
On movies, dining, groceries, railways and taxi bookings, get accelerated reward points of 5X. This is a great category bonus for everyday spending.
10X reward points will be given on purchases made on PayZapp and SmartBUY. This is a great way to earn extra points on your online purchases.
On paying your renewal fee, get a bonus of 500 reward points. This is a nice welcome bonus for renewing your card.
A welcome benefit of 500 points on paying your annual fee. This is a great way to start earning points with your new card.

Here are the steps on how to redeem your reward points earned on the HDFC Freedom Credit Card:

Sure thing! Here’s a more casual version:

Log in to your HDFC credit card net banking account.
Head over to the “Credit Cards” tab.
Register your card and then click on “Redeem Reward Points” and hit “Continue”.
You’ll be taken to the rewards redemption page.
Choose “Redeem Reward Points”.
Check out the different categories and pick what you want.
Select the points range to see what products are available.
Add the stuff you like to your cart.
When you’ve made your choices, click on “View your shopping cart”.
Take a quick look at the terms and conditions, then check the box.
Finally, hit “Redeem” and make a note of the redemption order number for future reference.

Fees and Charges on the HDFC Bank Freedom Credit Card


Annual fee	Rs.500
Interest-free period	Up to 50 days
Minimum repayment amount	5% or a minimum of Rs.200
Charges on revolving credit	3.49% per month
Cash advance limit	40% of the credit limit
Late payment charges	If the statement balance is less than Rs.100 – NilBalance between Rs.100 and Rs.500 – Rs.100Balance between Rs.500 and Rs.5,000 – Rs.500Balance between Rs.5,001 and Rs.10,000 – Rs.600Balance between Rs.10,001 and Rs.25,000 – Rs.800More than Rs.25,000 – Rs.950
Additional card fee	Free
Payment return charges	2% of the payment amount subjected to a minimum of Rs.450.
Rewards redemption fee	Rs.99 per redemption request
Charges on over limit account	2.5% of the over limit amount subjected to a minimum of Rs.500
Cash advance charges	2.5% of the amount withdrawn or Rs.500, whichever is higher
Balance transfer processing charges	1% of the balance transfer amount or Rs.250. The higher amount will be taken.
Outstation cheque processing charges	Cheque value of up to Rs.5,000 – Rs.25Cheque value of more than Rs.5,000 – Rs.50
Cash processing fee	Rs.100
Reissue of a stolen, lost or damaged card	Rs.100
Railway ticket purchase fee	1.8% of the transaction amount + GST
Foreign currency transactions	3.5%
Fuel transaction charges	Rs.250 per statement cycle will be waived off

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FAQs on HDFC Bank Freedom Credit Card

How secure is the HDFC Freedom card?

The HDFC Freedom card comes with chip card technology that makes tampering or copying the card impossible. Further, the technology makes it 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.

How to redeem accumulated reward points?

The accumulated reward points can be redeemed for both cash and rewards. You can fill the request form available at the form center and send it to HDFC Chennai address.Alternatively, requests can also be made through net banking. The cash redemption option is available under ‘Cards > Enquire > Redeem Reward Points > Cash Redemption’ in the net banking account.

Can I get an add-on card?

Yes, cardholders can apply for a supplementary card with the Freedom card. The applicants should be either parents, spouse, children or siblings of the primary cardholder. Children and siblings applying for the add-on credit cards should be above 18 years of age.

What is the limit of HDFC Freedom credit card?

The limit of the HDFC Bank Freedom credit card is given at the discretion of the bank. HDFC Bank takes several factors into consideration before assigning the credit limit. Some of the factors are the credit score of the primary applicant, the credit utilisation ratio, along with the repayment habits of past debts.

Is HDFC Freedom credit card free?

No, The HDFC Bank Freedom credit card is not free. It comes with an annual fee of Rs.500. However, if you spend more than Rs.50,000 in a year on your card, the annual fee of Rs.500 is waived off for the next year.

How can I make my HDFC freedom card lifetime free?

No, the HDFC Bank Freedom credit card is not a lifetime free card. The card has an annual fee of Rs.500 which must be paid every year. However, if your annual spends amount to more than Rs.50,000, the annual fee of Rs.500 is waived off and the card, for that year, is free.

Conclusion

The HDFC Freedom Credit Card is a great option for Indian consumers who are looking for a no-annual-fee card with great rewards. The card is easy to apply for and use, and it offers a variety of benefits that can save you money and earn you rewards.

If you are looking for a no-annual-fee credit card with great rewards, the HDFC Freedom Credit Card is a great option. The card is easy to apply for and use, and it offers a variety of benefits that can save you money and earn you rewards.

To learn more about the HDFC Freedom Credit Card, visit the HDFC Bank website or speak to a bank representative.