Welcome Benefits

Upon payment of the joining fee, cardholders are greeted with a welcome benefit of 500 CashPoints. This initial reward allows you to start enjoying the benefits of your card right from the beginning.

Other Benefits

The HDFC Bank Freedom Credit Card offers a range of other benefits that make it a valuable addition to your wallet:

• Reward Points Structure:
  • Earn 1 CashPoint for every Rs. 150 spent on regular transactions (excluding fuel, wallet/prepaid card loads, or voucher purchases).
  • Earn 5X CashPoints on EMI purchases at merchant locations.
  • Earn 10X CashPoints on transactions with preferred merchants such as Big Basket, BookMyShow, OYO, Swiggy, and Uber.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per statement cycle.
• Introductory Interest Rate: Take advantage of a lower interest rate of 0.99% for the first 90 days on retail/non-EMI spends.
• Dining Discounts: Savor up to 15% off at over 2000 premium restaurants in select cities.
• Contactless Payments: The card is enabled for contactless payments, allowing for fast and secure transactions up to Rs. 5,000 without requiring a PIN.
• Zero Lost Card Liability: Have peace of mind with zero liability on any fraudulent transactions made after reporting the loss of the card immediately.
• Redemption Options: Redeem your CashPoints against statement balance, travel benefits like flight and hotel bookings, and other rewards through the SmartBuy Rewards Portal. Each CashPoint is valued at Rs. 0.15.
• Interest-Free Credit Period: Avail up to 50 days of interest-free period on purchases, subject to the submission of the charge by the merchant.

• Earn 10X CashPoints on spends at BigBasket, BookMyShow, OYO, Swiggy, and Uber (maximum of 2,500 CashPoints per calendar month).
• Earn 5X CashPoints on EMI spends at merchant locations (maximum of 2,500 CashPoints per calendar month).
• Earn 1 CashPoint for every ₹150 spent on other categories (excluding fuel, wallet/prepaid card loads, or voucher purchases).
• Receive 500 CashPoints as a welcome benefit on payment of the joining fee and another 500 CashPoints as a renewal benefit on payment of the annual fee.
• 1% fuel surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000, and maximum waiver of ₹250 per statement cycle).
• An introductory interest rate of 0.99% for the first 90 days on non-EMI spends from the card issuance date.
• Up to 50 days of interest-free period from the date of purchase.
• Enabled for contactless payments up to ₹5,000 per transaction.
• Zero lost card liability in the event of losing the credit card.
• CashPoints can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.15, or for travel benefits like flight and hotel bookings, and other rewards on the SmartBuy Rewards Portal.

The HDFC Bank Freedom Credit Card offers a range of fees and charges, which are detailed in the following section.

• • To activate your HDFC Bank Freedom Credit Card, you can choose from several convenient options:

    • Online Activation: Log in to your HDFC Bank net banking account and navigate to the credit card section. Follow the prompts to complete the activation process.
    • Phone Banking: Call the HDFC Bank customer care number and follow the automated instructions or speak with a representative to activate your card. Provide the necessary details for verification.
    • ATM Activation: Insert your credit card into an HDFC Bank ATM, select the activation option, and follow the on-screen instructions. Enter your PIN or other verification details as required.
    • Branch Visit: Visit your nearest HDFC Bank branch with your credit card and a valid government-issued ID. A bank representative will assist you in activating your card.

    Once your HDFC Bank Freedom Credit Card is activated, you can start earning and redeeming valuable CashPoints.