HDFC FreedomFlex Credit Card
Flexible rewards across all categories
Annual Fee
₹1,500
Reward Rate
3X Points
Category Flexibility
Quarterly Change
Key Features & Benefits
Rotating Categories
3X points on different categories that change quarterly
Flexible Redemption
Redeem points for cash, travel, gift vouchers or statement credit
Fuel Benefits
1% fuel surcharge waiver at all petrol pumps
Base Rewards
1X point on all other purchases with no restrictions
Purchase Protection
Coverage against theft and accidental damage
Sign-up Bonus
2,000 bonus points after first purchase
Reward Structure
| Category | Reward Rate | Quarterly Cap |
|---|---|---|
| Q1: Grocery & Supermarkets | 3X points | ₹1,500 spend per quarter |
| Q2: Dining & Restaurants | 3X points | ₹1,500 spend per quarter |
| Q3: Online Shopping | 3X points | ₹1,500 spend per quarter |
| Q4: Gas Stations | 3X points | ₹1,500 spend per quarter |
| All Other Purchases | 1X points | No cap |
Points Value: 1 Point = ₹0.50 when redeemed
Points Validity: 3 years from earning
Minimum Redemption: 500 points
Fees & Charges
Annual Fee
₹1,500
Joining Fee
₹1,500
Fee Waiver
On ₹1,50,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-60 years
- Minimum Income: ₹25,000 per month (Salaried)
- Minimum Income: ₹3,00,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- Good credit history
- HDFC relationship preferred
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment proof
- Recent photographs
Pros & Cons
✅ Pros
- Rotating bonus categories (3X)
- Flexible redemption options
- Moderate annual fee
- Good base reward rate
- Fuel surcharge waiver
- HDFC bank privileges
- Purchase protection
❌ Cons
- Need to track rotating categories
- Quarterly spending caps
- No airport lounge access
- Joining fee applicable
- Limited premium benefits
- Points validity only 3 years
Apply for HDFC FreedomFlex Credit Card
Perfect For
- ✅ Strategic spenders
- ✅ Category rotators
- ✅ HDFC customers
- ✅ Flexible reward seekers
- ✅ Mid-income professionals