HDFC Bank Freedom Credit Card

8.4

Expert ScoreRead review

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 CashPoints

Complimentary 500 Cash Points as a welcome benefit.
Low interest rate of 0.99% for the first 90 days from the card issuance date.
10X CashPoints on various popular brands.
5X CashPoints on EMI spends at merchant outlets.
1 CashPoint per Rs. 150 on all other spends with the card.

HDFC BANK

Category: Credit Cards Tag: Rewards

Reward Type

Renewal Fee

Rs. 500 + GST

Joining Fee

500 (plus applicable taxes)

Type of Card

Shopping

Welcome Benefits

USP of Card

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 CashPoints

Complimentary 500 Cash Points as a welcome benefit.
Low interest rate of 0.99% for the first 90 days from the card issuance date.
10X CashPoints on various popular brands.
5X CashPoints on EMI spends at merchant outlets.
1 CashPoint per Rs. 150 on all other spends with the card.

Fees & Charges

Spend Based Waiver

Rs. 50,000 spent in the previous year

Interest Rates

3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.

Cash Advance Charges

3.5% (plus applicable taxes)

Rewards Redemption Fee

Rs 99 per redemption request (plus applicable taxes)

Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000

Foreign Currency Markup

2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Up to 20% off via Swiggy Dineout

Reward Redemption

1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.

Zero Liability Protection

Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.

Rewards Rate

Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.

Travel

Online Shopping offers

10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more

Insurance Benefits

N/A

Domestic Lounge Access

International Lounge Access

N/A

8.4Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 CashPoints

Complimentary 500 Cash Points as a welcome benefit.
Low interest rate of 0.99% for the first 90 days from the card issuance date.
10X CashPoints on various popular brands.
5X CashPoints on EMI spends at merchant outlets.
1 CashPoint per Rs. 150 on all other spends with the card.

Best values score

8.4

8.4Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 CashPoints

Complimentary 500 Cash Points as a welcome benefit.
Low interest rate of 0.99% for the first 90 days from the card issuance date.
10X CashPoints on various popular brands.
5X CashPoints on EMI spends at merchant outlets.
1 CashPoint per Rs. 150 on all other spends with the card.

Best values score

8.4

Specification: HDFC Bank Freedom Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Shopping
Joining Fees	500 (plus applicable taxes)
Renewal fees	Rs. 500 + GST
Best Suited for	Shopping
Movie & Dining Offers	Up to 20% off via Swiggy Dineout
Travel Offers	NA
online shopping offers	10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more
Reward redemption	1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback.
Reward Rate	Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more.
Domestic Lounge Access	NA
International lounge access	N/A
Insurance Benifits	N/A
Zero liability protection	Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank.
Spend based waiver	Rs. 50,000 spent in the previous year
Reward redemption charges	Rs 99 per redemption request (plus applicable taxes)
Foreign currency markup Charges	3.5% (plus applicable taxes)
Interest Charges	3.6% per month (or 43.2% per annum), 0.99% for the first 90 days.
Fuel Surcharges	1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000
Cash advance charges	2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	for self employed citizen aged between 21 to 65 year muust have annual income 15 lakhs per year and for saloaried citizen must have gross monthaly income higher than 1 lakhs
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	1500 worth vouchers from any one of M&S, Myntra, Reliance Digital, or Marriott on spending Rs. 1.5 Lakhs each quarter
Reward offer savings	10X Reward Points on partner brands via HDFC Bank Diners Club 10x rewards program. The 10X reward points are capped at a maximum of 5,000 points per month.
USP of Card	10X Reward Points on select brands.
BestValue Score	8.4

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HDFC Bank Freedom Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank Freedom Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: HDFC Bank Freedom Credit Card

User Reviews

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