How to apply for HDFC Freedom Card:-The HDFC Bank Freedom Credit Card is a basic entry-level credit card for first-time cardholders that is offered by HDFC Bank. It has a low membership fee of just Rs and is based on Reward Points. 500 annually. You can also get rid of the renewal fee for as little as Rs. 50,000 in a year of celebration. You get one Cash Point for every Rs. With this card, you can spend $150 and get extra cash points at Book My Show, OYO, Big Basket, and other well-known brands. In addition, the card comes with a remarkable introductory benefit that provides a low interest rate of 0.9 percent only for the first ninety days following the activation date. Peruse on to look into this section level contribution by HDFC.
How to apply for HDFC Freedom Card
Various types of credit cards are offered by HDFC Bank to the customers as per their requirement. One of these credit cards is HDFC Freedom Credit Card. With the HDFC Freedom Credit Card, customers can earn reward points by spending on dining, grocery, railway bookings etc. The great thing about this credit card is that it rewards the customer on the spends made on his birthday. HDFC Freedom Credit Card also offers gift vouchers to the customer. Now we will know about HDFC Freedom Credit Card in more detail. We will go through the features, benefits, fees and eligibility criteria of this credit card in detail.
How to apply for HDFC Freedom Card Details
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HDFC Freedom Card Offers February 2023
With the exception of fuel, earn five times as many Cashpoints on EMI purchases, ten times as many Cashpoints on Big Basket, Book My show, OYO, Swingy, and Uber purchases. Buying gift cards and loading prepaid cards. For purchases of between 400 and 5,000 dollars, a waiver of the 1% Fuel Surcharge is available. A monthly surcharge of 250 dollars is permitted. You may also save up to 15% by paying for your meal with this HDFC Bank Card at one of the partner restaurants.
HDFC Freedom Interest Rate
The interest rate is 0.9 percent for the first 90 days. The terms of this HDFC Bank Credit Card Interest Rate are listed below:
- Only applicable to non-EMI expenditures. Additionally, Easy EMI, balance transfer, and cash transactions are ineligible for this reduced interest rate.
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This credit card is easy to get. However, before you can do this, you need to meet the bank’s eligibility requirements:
- The credit card is open to applicants who are salaried or self-employed.
- For salaried applicants, the minimum age is 21;
- for self-employed applicants, the maximum age is 60;
- and for salaried applicants, the gross monthly income of the salaried applicant must be at least 12,000 yen.
- In contrast, self-employed individuals must submit an ITR with an annual income of more than 6 lakh.
Fees & Charges
- Joining Fee – ₹500
- Annual Fee – ₹500
- Revolving Credit – 3.49% per month or 41.88% annually
- Cash Advance Charges – 2.50% of the transaction amount, with a minimum of ₹500
- Late Payment Charges – ₹100-950
- Cash Payment Fee – ₹100
- Over limit Charges – 2.50% of the over limit amount, with the minimum being ₹500
- Rewards Redemption Fee – ₹99
Take note that once the joining fee is paid, 500 Cashpoints will be credited to your account. Additionally, the renewal fee will be waived if you spent at least 50,000 in the previous year.
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HDFC Freedom Card Online Apply
On HDFC Bank’s official website, you can submit an application for the Freedom Card. Therefore, go to HDFC Freedom Card by selecting “Apply Online.” The application form will then open, requiring you to fill out the information. After correctly filling out the information, submit the application for the bank to evaluate your eligibility for the card.
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How To Apply For The HDFC Freedom Credit Card?
Customers of the HDFC Bank can conveniently apply for credit cards both online and offline. You can fill out the physical application form at your nearest HDFc Bank branch to apply offline. In this instance, make sure you have all the necessary paperwork with you. However, if you want to submit your application online, you will need to follow the following straightforward steps:
- Check out the official HDFC Bank website https://www.hdfcbank.com/.
- Click on Cards in the Personal Banking section.
- Choose a credit card.
- You will now be taken to the bank’s credit cards page, where all of the cards have been divided into various sections.
- Select the HDFC Freedom Credit Card from the list of “other credit cards” and click “Apply Now.”
Documents Required for HDFC Freedom Card
When applying for the credit card, you should bring the following documents with you.
Identity Proof – PAN Card/Voter ID/Driving License/Passport/Aadhaar Card
Residence Proof – Voter ID/Ration Card/Driving License/Passport/Aadhaar Card/Electricity Bill/Telephone Bill
Income Proof – Latest Salary Slips (Salaried), ITR for the Last 2-3 Years (Self-employed)
Also, latest passport size photograph.
How Can I Pay HDFC Freedom Card Bill?
The HDFC Freedom Card bill can be paid online for your convenience. To pay your fees, log in to HDFC or another bank’s net banking. The payment gateway route is another option open to users. In order to make the required payment, you would need to select either a debit card or net banking. You can activate the automatic debit through net banking or by requesting it at the bank branch if your busy schedule makes it possible to pay late. When this facility is activated, the bill will be automatically deducted on the due date.
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HDFC Customer Care Number
To get answers to any questions you may have, call the HDFC Credit Card Customer Care Number at 1800 425 4332, which is available around the clock. Therefore, if you have difficulty redeeming rewards or wish to learn more about fees and charges, among other things, then dial the number and resolve the issue.
The Freedom Credit Card from HDFC Bank is a good option for first-time cardholders due to its moderate eligibility requirements, low membership fee, and decent reward rate across almost all spending categories. Another card that can be thought of as basically the same as this one is the Simply Save Visa presented by SBI Card, which accompanies a comparable yearly charge and highlights. The Freedom Card would be a good option for you if you enjoy dining out and watching movies, as it gives you faster Reward Points for movies and exciting discounts on dining. It is one of the best offerings in the entry-level market because of all of these advantages. Are you pleased with the HDFC Freedom Credit Card? Please inform us in the comments. Additionally, you are welcome to share your experience if you are already a cardholder.
Is HDFC Freedom Card free?
The HDFC Bank Freedom credit card is not free, contrary to popular belief. It has a Rs. 500 annual fee.
Who is eligible for HDFC credit card?
All sorts of cards should have an average age requirement of 18 years old or higher, with a maximum of 70. Self-employed or salary employees are required to apply. He should have a consistent source of income.
Which HDFC credit card is best for beginners?
The minimal income requirement for HDFC Moneyback, a starter credit card, is Rs. 25,000 p.m. In contrast, the minimum income requirement for HDFC Regalia Credit Card is Rs. 1 Lakh p.m. On the respective card page on HDFC Bank's official website, you can check the income requirement for each card.
Can I get HDFC credit card with 15000 salary?
A paid employee receives Rs. 12,000 per month, while a self-employed individual receives Rs. 2 lakh per year. Applicants should have a good credit score and a consistent source of income.
Is HDFC started giving credit card?
Since the Reserve Bank of India (RBI) lifted a regulatory ban on new credit cards by HDFC Bank in August, the bank has issued 4 lakh credit cards. According to the biggest private bank by assets, three credit card services will be reintroduced in October for consumers, which it said would be welcome.
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