Our Recommendation
HDFC Bank
Freedom Credit Card
A card that rewards you for every transaction
Earn 10X CashPoints on your favourite merchants ( Big Basket, BookMyshow, OYO, Swiggy & Uber )
Earn 5X CashPoints on EMI spends at merchant locations
Earn 1 CashPoint per every ₹150 on other spends ( Excluding fuel, Wallets loads )
Interest Rate of just 0.99% for first 90 days from card issuance date on retail/non-EMI spends
Your Credit Card eligibility is subject to final HDFC Bank determination & acceptance.
Key Features
1.
10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber ( Maximum of 2,500 CashPoints can be earned in a calendar month )
2.
5X CashPoints on EMI spends at merchant locations ( Maximum of 2,500 CashPoints can be earned in a calendar month )
3.
1 CashPoint for every ₹150 on other spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases )
4.
Lower interest rate of 0.99% on for first 90 days on non-EMI spends from card issuance date. ( Not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer or Cash transactions )
5.
Upto 15% off at 2000+ premium restaurants in select cities. click here
6.
Interest Rate of just 0.99% for first 90 days from card issuance date on retail/non-EMI spends
For detailed Terms and conditions click here
Additional Features
1.
Zero lost Card liability : In the unfortunate event of losing your HDFC Bank Freedom Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card.
2.
Interest Free Credit Period :Avail up to 50 days of interest free period on your HDFC Bank Freedom Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
3.
Revolving Credit : Enjoy Revolving Credit on your HDFC Bank Freedom Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.
Fuel
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
Welcome/Renewal Benefit
500 CashPoints (applicable only on payment of membership fee)
Renewal Offer
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year
Smart EMI
HDFC Bank Freedom Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here
Contactless Payment
1.
The HDFC Bank Freedom Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. To see if your Card is contactless, look for the contactless network symbol on your Card.
2.
Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Credit Card PIN for security reasons.
Reward Point/CashBack Redemption & Validity
1.
The CashPoints earned on HDFC Bank Freedom Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.15, and can be done via Net Banking login, Phone Banking, or physical redemption form
2.
CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.15 and the rest of the amount will have to be paid via the Credit Card. To know more on Rewards catalouge, click here
3.
For redemption against cashback, Cardholder must have minimum CashPoints equivalent to ₹500
4.
CashPoints earned on your HDFC Bank Freedom Credit Card are valid only for 2 years from the date of transaction. e.g. if you receive Reward Points in August 2021, same will expire in August 2023
| Rewards value table | |||
| Product Catalogue | SmartBuy (Flights/Hotels) 50% capping | Cash back | Airmiles |
| 0.15 | 0.15 | 0.15 | 0.15 |
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