HDFC Bank Freedom Credit Card – Product Description

Key Features:

• 10X CashPoints on top brands like BigBasket, BookMyShow, OYO, Swiggy, and Uber.
  (Maximum 2,500 CashPoints per calendar month)

• 1 CashPoint per ₹150 spent on all other eligible purchases.
  (Excludes EMI, fuel, wallet/prepaid card loads, and voucher purchases)

• 10% extra discount on Swiggy Dineout with code HDFCCARDS.
  T&C apply.

Important Notes:

• Grocery transactions: Max 1,000 CashPoints/month effective 1st Jan 2023.

• Rupay UPI spends: Earn 1 RP/₹150 (excludes fuel, wallets, vouchers); capped at 500 RP/month.

• No reward points on wallet loads, Easy EMI, or third-party education payments (effective 1st Sep 2024).
  However, payments directly through schools/colleges or their POS systems are eligible.

Merchant Category Codes (MCC):

• Education: 8211, 8220, 8241, 8244, 8249, 8299

• Wallets: 6540
  [Click here for detailed T&Cs]

Additional Benefits:

• Zero Liability on Lost Card
  Report immediately via 24×7 toll-free numbers 1800 1600 / 1800 2600 or 022-61606160 (international). No liability for fraudulent use post-reporting.

• Interest-Free Credit Period
  Enjoy up to 50 days of interest-free credit from the date of purchase (subject to charge submission by merchant).

• Revolving Credit Facility
  Convert outstanding balance into EMI at nominal interest. [See Fees & Charges]

• Dining Privileges
  Enjoy up to 20% savings at 20,000+ restaurants via Swiggy Dineout.

• Fuel Surcharge Waiver
  1% waiver on fuel transactions
  (Min ₹400 – Max ₹5,000 per transaction; Max waiver ₹250 per statement cycle)

• Welcome Benefit
  Get 500 CashPoints on membership fee payment.

• Renewal Offer
  Spend ₹50,000+ annually and get your renewal fee waived off.

• Smart EMI
  Convert large purchases into EMIs post-transaction. [Learn More]

• Contactless Payments
  Make secure, PIN-free payments for purchases up to ₹5,000. Look for the contactless symbol on your card.

Reward Points / CashPoints Redemption:

• Redeem against statement balance at 1 CashPoint = ₹0.15 via NetBanking or redemption form.

• Use CashPoints for:

  • Flights & Hotel bookings via SmartBuy

  • Product catalogue at SmartBuy Rewards Portal

• Redemption Limitations:

  • Max 50,000 CashPoints/month for flights & hotels (from Jan 2023)

  • Max 50,000 CashPoints/month for cashback (from Feb 2023)

  • For select products/vouchers, redeem up to 70% via points, rest via card

  • Minimum ₹500 equivalent CashPoints required for cashback redemption

• CashPoints valid for 2 years from the transaction date

Reward Value Table:

Eligibility Criteria:

Salaried Individuals

• Indian National

• Age: 21–60 years

• Monthly Income: ₹12,000+

Self-Employed Individuals

• Indian National

• Age: 21–65 years

• Annual ITR: ₹6 lakhs+

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Fees & Charges:

• Joining/Renewal Fee: ₹500 + taxes

• Annual Fee Waiver: Spend ₹50,000 in a year and get the renewal fee waived.

[Click here for detailed fees and charges]

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Inactive Card Policy:

If your card remains inactive for 6 months, HDFC Bank reserves the right to cancel it after providing prior notice via your registered contact details.