HDFC Freedom Credit Card :- HDFC Freedom Credit Card is an entry level credit card brought by HDFC Bank, under which you are given many benefits and you are also given a lot of cashback and reward points on online shopping.
If you like shopping on online platforms and you mostly spend online using platforms and applications like BigBasket, Swiggy, OYO, Bookmyshow, Uber, then you are going to get such cashback benefits of up to one percent on every purchase. Which costs ₹1.5, if you accumulate 10 cashback report points then you will get ₹150.
Today in this article, we will get information about the benefits of HDFC Freedom Credit Card, along with that we will also know how to buy HDFC Credit Card, the features available in it, what is the maximum limit on the charge of the credit card.
What is HDFC Freedom Credit Card ?
HDFC Bank is one of the largest and most trusted banks in India. You are given many benefits in all the credit cards of HDFC Bank. Many people have their bank accounts in HDFC Bank and if you want to buy a credit card from HDFC Bank, then you are given cashback at the time of purchasing the credit card.
In terms of cashback, HDFC Moneyback Credit Card and HDFC Millennia Credit Card can be a very good option for those people who want to spend and get savings and cashback at the same time.
By using HDFC Freedom Credit Card, you can avail benefits of up to 10X and along with this you will also be given benefit in fuel surcharge, Spend Best Annual Fee Waiver and Welcome Rewards. Let me tell you about the benefits of HDFC Freedom Credit Card one by one.
HDFC Freedom Credit Card Benefits
HDFC Freedom Credit Card is an entry level based credit card which gives you cashback on shopping. This means that if you make any purchase using the online platform, you will be given some percentage of cashback and reward points on the purchase, which you can use in your expenses without any hassle and save a lot of money. ?
Welcome Benefits
- Friends, the first benefit you will get in HDFC Freedom Credit Card is in the form of welcome benefit. This means that if you buy HDFC Freedom Credit Card, then at this time you will be given some money as welcome backward and you can deposit that money in your bank. Can make direct transfer to account.
- Along with the payment of HDFC Freedom Credit Card joining fee and Indian World Free, you will get 500 cash points as welcome benefit.
Benefits of Annual Fee
Just like there is welcome benefit, similarly you are also going to get benefit in annual fee waiver under this. Under which, if you make a purchase of ₹ 50000 or more within 1 year through HDFC Freedom Credit Card, then you will not be charged annual fee in the next year, due to which your annual fee will be waived.
Rewards Points Benefits
- You get Remote Phones and Cashback points on online purchases through HDFC Fin Credit Card for every ₹150 spent on general retail spends.
- You will also be given advance reward benefit for some special expenses.
Benefit of fuel surcharge
- If you purchase petrol for your vehicle through HDFC Freedom Credit Card, you will get up to 1% discount on fuel purchases ranging from approximately ₹ 400 to ₹ 4000 per transaction.
- A maximum of Rs 250 per month in fuel surcharge paper will be availed in every billing cycle of this credit card.
Benefits of Dining
- If you are fond of eating out or you order food online a lot, then you are going to benefit a lot from this benefit because if you eat out through HDFC Freedom Credit Card or order food through online platform. If so, you will get a discount of up to 10% of the fee on every order, which means that you can avail up to 20% discount on every meal from more than 20,000 partner restaurants.
- You will become a member of HDFC Good Food Trail Program if you use HDFC Freedom Credit Card and avail discount offer of up to 20% on ordering anything through Swiggy App.
Benefit of 0.99% interest rate for 3 months
- Within approximately 90 days of purchasing HDFC Freedom Credit Card Small, you can easily avail the facility of making retail or any separate EMI payment at an interest rate of only 0.99% per month (11.88% per annum).
- After 3 months your interest rate will become normal which will be 3.7% per month and 43.30% per annum.
Zero Last Card Liability Benefits
- Many times it happens that our credit card is lost or stolen, then we are not able to do anything in that situation because the bank does not provide us the facility to get a refund in case the credit card is lost or stolen. Could do something. But this is not the case at all in HDFC Bank.
- Under HDFC Freedom Credit Card, you are given the benefit of zero last card liability. Under this, if your card is lost or stolen, you can directly inform HDFC Credit Card Customer Care and get a solution to your problem and during this time HDFC Bank will compensate your loss within 24 hours.
Contactless Transaction
HDFC Freedom Credit Card is a completely secure and fast payment credit card. With this credit card, you can easily make offline payments up to ₹ 5000 through Tap on Pay without any credit card.
Benefits of EMI
- If you make big purchases with the help of HDFC Freedom Credit Card like buying a TV, buying a refrigerator, then you can convert all these big purchases into small installments under the very Smart EMI Offer.
- Under this, you have to pay the interest rate at a very limited rate and you can choose your EMI payment mode for a long time and avail this facility by converting all your expenses into small installments.
HDFC Freedom Credit Card Maximum Limit
It can be a little difficult to know the limit for HDFC Bank’s Freedom Credit Card because no bank discloses the limit of its credit card to its cardholder, due to which it can be very difficult to go for the credit card, but if you have HDFC Bank If you want to know the limit of Freedom Credit Card, then there are some methods through which you can identify the limit and also increase it.
So friends, as you know, no bank discloses the limit of its credit card, so this credit card limit completely depends on the cardholder, such as what is the credit score of the cardholder, what is the source of income, his previous history. How has your credit history been etc.
If you have used a credit card of any other bank before and have paid all its interest and bill payments from time to time, then your credit score will be very good, due to this your credit card limit can be easily increased. can.
The minimum limit or maximum limit is entirely at the discretion of the bank as per the bank credit policy, which may vary from cardholder to cardholder and from offer to offer. However, the maximum limit for cash withdrawal in HDFC Freedom Credit Card can be estimated as 40% of the prescribed credit limit.
HDFC Freedom Credit Card Conclusion
So here is today’s article, today in this article we got information about the benefits of HDFC Freedom Credit Card (HDFC Freedom Credit Card Benefits). If you already have an HDFC Freedom Credit Card, then I hope that you have learned something new from today’s article.
And those who are thinking of buying HDFC Freedom Credit Card and many questions related to this credit card were coming in their mind, then I hope that through this article you would have got the answers to all your questions. You can visit our website to read more such credit card related articles.
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