Freedom Platinum

Freedom

Freedom to explore everything

Features

Enjoy spending on your Freedom Credit Card with 5X reward points on Dining/Movies/Groceries/Railways /Taxi
Get 10X reward points on PayZapp & SmartBUY spends
25X reward points on Birthdays spends
Redeem points for CashBack or Catalogue

Benefits

Gift Voucher worth Rs 1000 on annual spend of Rs 90,000 and higher
Get Renewal fee waived on spends of Rs 60,000 in a year prior to renewal date.
Do minimum 4 transactions using Credit card every month and get
- Free Accidental Death Insurance upto 50Lakhs*
- Free Fire and Burglary protection for goods above Rs.5000 for 180 days
Conditions Apply : Click here

Click here for Credit Card Usage Guide

What are the features and benefits of a Freedom Credit Card?

You will get some exclusive features and benefits with your Freedom Credit Card

Freedom Card
Welcome Benefit of 500 reward points on fee realization only

Earn 25X reward points on your Birthday spends ( Upto maximum reward points of 3000)

Earn 10X reward points on PayZapp & SmartBUY spends (Upto maximum reward points of 1,500 per statement cycle on cumulative spends)

Earn 5X reward points on Movies/Dining/Groceries/Railways & Taxis spends ( (Upto maximum reward points of 1,500 per statement cycle on cumulative spends)

For all other categories, get 1 reward point for every Rs.150 spends (Upto maximum reward points of 1,500 per statement cycle )

Get gift voucher worth Rs.1000 on annual spends of Rs.90,000 and above. Click here for more details

Redeem points for exciting gifts from our exclusive Reward Catalogue ( 100 Points = Rs.15) or for CashBack ( 100 Points = Rs.10)

Spend Rs.60,000 in a year and get a waiver of next year's annual membership fee

Renewal benefit of 500 reward points on renewal fee realization.

Please note-
- Reward points for eligible transactions will get posted in next statement
- Redemption of points for CashBack will happen in multiple of 500
- Welcome benefit of 500 Reward points & renewal benefit of 500 Reward points is applicable only on payment of membership fee and not ablicable when the fee is waived of
- For Terms & Conditions on reward points & annual/renewal Fee please click here

Fuel Surcharge waiver
Convenience fee waiver of 1%, capped at Rs .250 per statement cycle (Applicable on minimum transaction of Rs. 400 and maximum of Rs. 5,000) GST will be applicable

Contactless Payment Technology
The HDFC Bank Freedom 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 symbol network on your Card.
You can use your card to make quick transactions at merchant locations accepting contactless cards.

Please note that in India, payment through contactless mode is allowed for a maximum of Rs. 2000 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 Rs. 2000, the card holder has to enter the Credit Card PIN for security reasons.

Safe & Secure Transactions
DIP your Chip Card at any Chip enabled POS or swipe your card at any non-chip POS (Regular POS).

Zero liability on lost card
If you lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.
Revolving Credit
Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.

Interest free credit
Avail up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Credit Card Offers: Click here for exclusive offers on your HDFC Bank Credit Card.

Eligibility

You are eligible for the Freedom Credit Card based on the following:

Customer Profile	Criteria
Salaried	Age: Min 21 yrs & Max 60 Yrs, Income: Gross Monthly Income> Rs 12,000
Self Employed	Age: Min 21 yrs & Max 65 Yrs, Income: ITR > Rs 2 Lakhs per annum

What are the fees and charges applicable to a Freedom Credit Card?

Please click here to view the fees and charges applicable on your Freedom Credit Card.
First Year & Renewal Fee is Rs. 500/- (GST* as applicable)
Spend Rs. 60,000 in a year to get waiver of next year's annual membership fee.
W.e.f 15th Feb'19, spend accrual for waiver of next year's annual membership fee would be revised to Rs. 50,000
Goods and Services Tax (GST)

Effective 1st July 2017 Service Tax , KKC & SBC of 15% is replaced by Goods&Service Tax (GST) at 18%
The applicable GST would be dependent on place of provision (POP) and place of supply (POS).If POP and POS is in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect in next month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.

Have questions?

How to redeem the reward points?

Customer can redeem the reward points as cash back on request and share the request form to P.O Box Credit Card Division.
Minimum reward points required to redeem: 2500

I have applied for a Credit Card - would like to know the status?

Click here to check the status of your credit card application. You are required to input the 16 digit Application reference number and Mobile number or Date of Birth (DDMMYYYY)

How can I register for Online Credit Card service (Netbanking)?

If you are an existing HDFC Bank account holder and have already registered for NetBanking then you can easily register for the Online Credit Card service as well.

Step 1 : Login into NetBanking with your Customer ID and password
Step 2 : Once inside NetBanking, click on "Credit Cards" Tab
Step 3 : Click on the "Register New Card" link on the left hand side.
Step 4 : Enter your Credit Card number, expiry date, credit card ATM PIN and click on "Submit".

What payment channels can I use and how?

HDFC Bank account holder can make payments through below channels

1. Auto pay
You can provide standing instructions to debit your HDFC Bank Account automatically for either the minimum amount due or the total monthly outstanding amount on your Credit Card. Your account with HDFC Bank should be a sole or a joint account with an 'any' or 'either' signing mandate.
2. HDFC Bank NetBanking
HDFC Bank savings/current account holders can register for NetBanking and transfer the outstanding Credit Card amount online. To link your Credit Card to NetBanking, please log in to your HDFC Bank NetBanking account and link using your Credit Card ATM PIN.
3. ATM Funds Transfer
All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer the bill amount from your Savings or Current Account to your Credit Card Account
4. HDFC Bank Mobile Banking Application
Download and install the HDFC Bank Mobile Banking App on your mobile phone and enable internet access. Log in to the Mobile App using your Customer ID and go to the ‘Credit Card’ tab, choose ‘Credit Card Payment’ and make your payments using your HDFC Bank Savings Account.

Non- HDFC Bank Savings Account Holder

1. Non-HDFC Bank NetBanking – BILL DESK
You can now make your Credit Card payments online from any other bank account, if you do not have an account with HDFC Bank.
Click here to make card payment through BILL DESK
2 NEFT/ Visa Money Transfer
You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. Please contact your bank for more details on NEFT/VISA Money Transfer. Use IFSC Code HDFC0000128 for card payment through NEFT.

I do not want statements to be sent to my mailing address. How do I stop the same?

We request you to download the physical statement suppression MID (Most Important Document) from HDFC Bank form center and send the duly signed form to our correspondence address.

HDFC Bank Cards Division
PO BOX # 8654
Thiruvanmiyur P.O.
Chennai 600 041

Have more questions, check our FAQs Section

JBM Financial Services

Search This Blog