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HDFC Freedom Card

HDFC Freedom Card

Last Updated : Nov. 17, 2023, 4:51 p.m.

Have you heard about the HDFC Freedom Card? It’s pretty cool! You get all sorts of rewards and benefits that match your lifestyle. From cashback deals to personalized reward programs, this credit card lets you choose how you want to be rewarded. It’s all about giving you the freedom to spend, save, and earn in ways that work best for you. So, if you’re looking for an HDFC credit card that understands and adapts to your unique needs, you should definitely check out the HDFC Freedom Card.

HDFC Freedom Card – Benefits

Reward CategoryReward RateMaximum Monthly Earnings
Favorite merchants (Big Basket, BookMyShow, OYO, Swiggy & Uber)10X CashPoints2,500 CashPoints
EMI spends5X CashPoints2,500 CashPoints
Other spends (excluding fuel, wallet/prepaid card loads, voucher purchases)1 CashPoint per ₹150No limit
Lower interest rate on non-EMI spends for first 90 days0.0099N/A
Discount on partner restaurants via Swiggy DineoutUp to 20%N/A

Other Features

Zero Lost Card LiabilityNo liability for fraudulent transactions after reporting lost card to the 24-hour call center.
Interest-Free Credit PeriodUp to 50 days of interest-free credit from the date of purchase.
Revolving CreditEnjoy revolving credit at nominal interest rates.
Exclusive Dining PrivilegesSave up to 20% on restaurant bills via Good Food Trail and Swiggy Dineout.
Fuel Surcharge Waiver1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.
Welcome/Renewal BenefitReceive 500 CashPoints upon payment of the membership fee.
Renewal OfferGet renewal membership fee waived off by spending ₹50,000 or more in a year.

Redeeming CashPoints on HDFC Bank Freedom Credit Card – Easy Steps:

  • Make regular transactions using your HDFC Bank Freedom Credit Card to accumulate CashPoints based on your spending.
  • Keep track of your CashPoints balance, which can be viewed on your monthly credit card statement or through Net Banking.
  • Decide how you want to redeem your CashPoints – statement balance, travel benefits, or exciting products from the Rewards Catalogue.
  • Access the flexibility to redeem CashPoints through the convenience of Net Banking, Phone Banking, or redemption form.
  • Enjoy the freedom to use CashPoints for Flight & Hotel bookings through the SmartBuy Rewards Portal. Get up to 50% of the booking value covered with CashPoints.
  • Be aware of the monthly redemption limits introduced from 1st January 2023, ensuring you stay within the capped limits. Applicable for flights, hotels, and CashBack.
  • Take advantage of the enhanced flexibility as of 1st February 2023, allowing cardmembers to redeem up to 70% of the product/voucher value using Reward points.
  • If opting for CashBack, make sure you have a minimum of ₹500 equivalent in CashPoints.
  • Stay informed about the validity of your CashPoints, as they are valid for a period of 2 years from the date of the transaction.
  • Utilize the Rewards Value Table to understand the equivalent value of 1 Reward Point across various redemption categories, including the Product Catalogue, Unified SmartBuy (Flights/Hotels), Cashback, and Airmiles.

By following these steps, you can effortlessly unlock the full potential of your HDFC Bank Freedom Credit Card and make the most of your earned CashPoints.

Fees & Charges

Joining/Renewal Membership FeeApplicable TaxesRenewal Offer
₹500/-ApplicableSpend ₹50,000 or more in a year and get your renewal fee waived off


In conclusion, the HDFC Bank Freedom Credit Card not only offers the freedom to spend but also CashPoints. From statement balance reductions to exciting travel benefits and an extensive Rewards Catalogue, this card ensures flexibility and value. With monthly redemption limits, enhanced voucher redemption flexibility, and a straightforward process, it is a rewarding financial companion.

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