
# [Freedom card new](https://www.hdfcbank.com/personal/pay/cards/credit-cards/freedom-card-new)

## Features
#### Key Features
Key Features
* 10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber  ( Maximum of 2,500 CashPoints can be earned in a calendar month )
* 5X CashPoints on EMI spends at merchant locations ( Maximum of 2,500 CashPoints can be earned in a calendar month )
* 1 CashPoint for every Rs.150  on other spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases )
* Lower interest rate of 0.99% on for first 90 days on non-EMI spends from card issuance date. ( Not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer or Cash transactions ). [Click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/CASH BACK/Freedom Card New/Freedom-Card-interest-feature-Illustration.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/CASH BACK/Freedom Card New/Freedom-Card-interest-feature-Illustration.pdf") for representative illustration
* Upto 20% discount on partner restaurants via Swiggy Dineout
Note: 
* With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points
* With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points.
For detailed Terms and conditions [Click here](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/6d0db352-ab1f-420b-bec5-fdb38c73a02f?#	/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/CASH BACK/Freedom Card New/Terms-and-Conditions-HDFC-Bank-Freedom-Credit-Card.pdf "Terms-and-Conditions-HDFC-Bank-Freedom-Credit-Card.pdf")
#### Additional Features
Additional Features
**Zero lost Card liability :** In the unfortunate event of losing your HDFC Bank Freedom Credit Card, report it immediately to our 24-hour call centre. On reporting the loss immediately, you have zero liability on any fraudulent transactions made on your Credit Card. 
**Interest Free Credit Period :** Avail up to 50 days of interest free period on your HDFC Bank Freedom Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).
**Revolving Credit :** Enjoy Revolving Credit on your HDFC Bank Freedom [Credit Card](https://www.hdfcbank.com/personal/pay/cards/credit-cards "https://www.hdfcbank.com/personal/pay/cards/credit-cards") at nominal interest rate. Please refer to the Fees and Charges section for more details.
**Exclusive Dining Privileges :**​​​​​​​Enjoy amazing dining benefits with Good Food Trail program.
Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer valid only on payments done via Swiggy App.
#### Fuel Surcharge Waiver
Fuel Surcharge Waiver
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
#### Welcome/Renewal Benefit
Welcome/Renewal Benefit
500 CashPoints (applicable only on payment of membership fee)
#### Renewal Offer
Renewal Offer
Get renewal membership fee waived off by spending ₹50,000 and above in an annual year
#### Smart EMI
Smart EMI
HDFC Bank Freedom Credit Card comes with an option to convert your big spends into EMI after purchase. To know more [click here](/personal/borrow/loan-against-assets/smartemi "/personal/borrow/loan-against-assets/smartemi")
#### Contactless Payment
Contactless Payment
The HDFC Bank Freedom Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. To see if your Card is contactless, look for the contactless network symbol on your Card.
Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons.
#### Reward Points/Cashback Redemption & Validity
Reward Points/Cashback Redemption & Validity
* The CashPoints earned on HDFC Bank Freedom Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.15, and can be done via Net Banking login, Phone Banking, or physical redemption form
* CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.15 and the rest of the amount will have to be paid via the Credit Card. To know more on Rewards catalouge, [click here](/personal/pay/cards/credit-cards/simple-rewards-program "/personal/pay/cards/credit-cards/simple-rewards-program")
* With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
* With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 50,000 rewards points.
* With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
* For redemption against cashback, Cardholder must have minimum CashPoints equivalent to ₹500
* CashPoints earned on your HDFC Bank Freedom [Credit Card](https://www.hdfcbank.com/personal/pay/cards/credit-cards "https://www.hdfcbank.com/personal/pay/cards/credit-cards") are valid only for 2 years from the date of transaction. e.g. if you receive Reward Points in August 2021, same will expire in August 2023
**Rewards value table**
|  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
|
|  |
| --- |
| **1 RP Equivalent to** |
| Product Catalogue | 0.15 |
| Unified SmartBuy (Flights/Hotels) | 0.15 |
| Cash back | 0.15 |
| Airmiles | 0.15 |
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| [FAQs](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/0c8931ba-b4d4-437f-9bb9-84b41d896657?#/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/CASH BACK/Freedom Card New/HDFC-Bank-Freedom-Credit-Card.pdf "HDFC-Bank-Freedom-Credit-Card.pdf") |
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## Eligibility
HDFC Bank Freedom Credit Card Eligibility:
**Salaried**
Indian nationality. Age: Min 21 yrs. & Max 60 Yrs., 
Income: Gross Monthly Income> ₹12,000
**Self Employed**
Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum

## Fees and Charges
Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off 
Please [click here](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/2af3fe6b-fac1-4934-82c7-dfaab0c572f4?#/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Manage Your Credit Cards PDFs/MITC 1.64.pdf "MITC 1.64.pdf") for detailed fees and charges applicable on your HDFC Bank Freedom Credit Card
**NOTE:** For card sourced starting 01-11- 2020, Below T&Cs is applicable  
The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.
