HDFC Bank Freedom Credit Card

⭐ Features & Benefits

🎁 Reward Points

• 10X CashPoints: On spends at BigBasket, BookMyShow, OYO, Swiggy, and Uber (maximum of 2,500 CashPoints per calendar month).

• 5X CashPoints: On EMI spends at merchant locations (maximum of 2,500 CashPoints per calendar month).

• 1 CashPoint: For every ₹150 spent on other categories (excluding fuel, wallet/prepaid card loads, or voucher purchases).

🎉 Welcome & Renewal Benefits

• 500 CashPoints: Upon payment of joining and annual fees.

⛽ Fuel Surcharge Waiver

• 1% waiver: On fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000, and maximum waiver of ₹250 per statement cycle).

🛍️ Smart EMI

• Convert big spends into easy EMIs with nominal interest rates.

💳 Contactless Payments

• Enabled for secure and swift transactions up to ₹5,000 per transaction.

🔐 Zero Lost Card Liability

• Report loss immediately to avoid fraudulent transactions.

💰 Fees & Charges

✅ Eligibility Criteria

• Salaried Individuals:

  • Age: 21 to 60 years

  • Minimum Monthly Income: ₹12,000

• Self-Employed Individuals:

  • Age: 21 to 65 years

  • Minimum Annual Income: ₹2,00,000

• Credit Score: A good credit score (750 or above) enhances approval chances.

• Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
• Location: HDFC Bank maintains a set of cities which are allowed for sourcing cards.
• Credit bureau history: Applicant should have a good credit score and no evidence or history of defaulting on loans/ missing payments on loans or credit cards.
• Internal policy criteria: HDFC Bank runs certain internal policy criteria to choose a customer for issuing credit cards. Internal policy criteria are usually based on the applicant’s bureau history, any existing relationship with the bank, customer demographics, and credit exposure. The final decision to issue a credit card to the applicant is at the bank’s sole discretion, according to the mentioned internal policies.

📝 Documents Required

• Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.

• Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Property Registration Document.

• Income Proof:

  • Salaried: Latest salary slips (not older than 3 months), Form 16, or last 3 months’ bank statements.

  • Self-Employed: Last 2 years’ Income Tax Returns (ITR), Audited Financial Statements.

• Photographs: 2 passport-sized colored photographs.

🖥️ How to Apply

1. Online Application:

   • Click on “Apply Now”.

   • Fill in the required details and submit the application.

2. Customer Care:

   • Call the 10:00 am to 6:00 pm helpline number: 8800178125.

   • Follow the instructions to apply or get assistance