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.
Credit Card
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
HDFC Freedom Card – Benefits
Other Features
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
Conclusion
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.