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HDFC Lifetime Free Credit Card
HDFC Bank does not provide credit cards that are truly free for life. Nevertheless, they do offer cards with very low annual fees. Meeting certain spending requirements can often lead to these fees being waived. This means that, for many users, these cards are effectively free.
These HDFC credit cards offer fantastic discounts and rewards on entertainment, fuel, dining, hotel bookings, and more. Getting these cards is an easy and straightforward application process. Let's now take a closer look at these HDFC cards.
About HDFC Lifetime Free Credit Card
- A List of 10 Lifetime Free-Low Annual Fee HDFC Credit Cards
- Benefits of HDFC Lifetime Free Credit Cards
- Key Highlights of Some HDFC Lifetime Free Credit Cards
- HDFC Bank Freedom Credit Card
- HDFC Millennia Credit Card
- HDFC MoneyBack Plus Credit Card
- Indian Oil Credit Card - HDFC Bank
- Conclusion
- FAQs of HDFC Lifetime Free Credit Card
A List of 10 Lifetime Free-Low Annual Fee HDFC Credit Cards
Credit Card Name | Yearly Fee | Waived Off Criteria | Major Features |
|---|---|---|---|
HDFC Freedom Credit Card | ₹500 | Spend ₹50,000 in a year | Fuel surcharge removal, reward points for your spending, and cashback rewards |
HDFC MoneyBack Credit Card | ₹500 | Spend ₹25,000 in a year | Cashback on spends, reward points, partner offers |
HDFC Millennia Credit Card | ₹500 | Spend ₹25,000 in a year | Reward points on spends, fuel surcharge waiver, partner offers |
HDFC EasyShop Credit Card | ₹500 | Spend ₹25,000 in a year | Reward points on spends, fuel surcharge waiver, partner offers |
HDFC Platinum Credit Card | ₹500 | Spend ₹25,000 in a year | Reward points on spends, fuel surcharge waiver, partner offers |
HDFC Regalia First Credit Card | ₹1,000 | Spend ₹1,00,000 in a year | Lifestyle benefits, reward points, airport lounge access |
HDFC Diners ClubMiles Credit Card | ₹1,000 | Spend ₹1,00,000 in a year | Miles on spends, airport lounge access, travel insurance |
HDFC Platinum Times Credit Card | ₹1,000 | Spend ₹50,000 in a year | Reward points on spends, fuel surcharge waiver, partner offers |
Swiggy HDFC Bank Credit Card | ₹500 | Lifetime free* | Cashback on Swiggy, partner offers |
Tata Neu Plus HDFC Bank Credit Card | ₹499 | Spend ₹50,000 in a year | Reward points on spends, partner offers |
*Only for applications submitted on the Bank's platform from 1st Oct'24 to 31st Dec'24.
1. HDFC Freedom Credit Card
Yearly Fee: ₹500
The HDFC Freedom Credit Card rewards you with generous points and cashback on everyday expenses like dining, groceries, fuel, and movies.Key Highlights:
- Annual fee waived: Spend ₹50,000 annually.
- Earn 5X reward points: On dining, groceries, fuel, and movie tickets.
- Earn 1 reward point: Gain rewards by spending ₹150 in other categories.
- Redeem points: For cashback.
- Fuel surcharge waiver: For fuel purchases ranging from ₹400 to ₹5,000.
- Convert purchases to EMIs: For high-value items.
2. HDFC MoneyBack Credit Card
Yearly Fee: ₹500
The HDFC MoneyBack Credit Card saves you money with cashback on both online and offline purchases.Key Highlights:
- Annual fee waived: Spend ₹25,000 annually.
- Earn 2X reward points: On online purchases.
- Earn 1X reward point: On other purchases.
- 1 point = ₹0.20 when you convert it to statement credit.
- Fuel surcharge waiver: Valid for transactions within the ₹400 to ₹5,000 range.
- Convert purchases to EMIs: For big-ticket items.
3. HDFC Millennia Credit Card
Yearly Fee: ₹500
The HDFC Millennia Credit Card is the ultimate choice for millennials, offering cashback on digital transactions and premium shopping.Key Highlights:
- Annual fee waived: Spend ₹25,000 annually.
- Earn 5% cashback: Redeemable on Amazon, Flipkart, and other selected partner brands.
- Earn 2.5% cashback: On travel arrangements (flights and hotels) via HDFC SmartBuy.
- Earn 1% cashback: On all other spends.
- Fuel surcharge waiver: A cap of ₹250 per billing cycle.
- Free airport lounge access: Four times a year.
4. HDFC EasyShop Credit Card
Yearly Fee: ₹500
Overview: The HDFC EasyShop Credit Card offers reward points, partner discounts, and essential perks for easy shopping.
Key Highlights:
- Annual fee waived: Spend ₹25,000 annually.
- Earn 2 reward points: For every ₹150 spent.
- Enjoy discounts: On select partner brands and e-commerce platforms.
- Fuel surcharge waiver: Applicable to bills of ₹400 to ₹5,000.
- Convert purchases to EMIs: With the EasyEMI option.
- Secure transactions: With chip-enabled technology.
5. HDFC Platinum Credit Card
Yearly Fee: ₹500
The HDFC Platinum Credit Card offers affordability and essential benefits like reward points and lifestyle perks for everyday use.
Key Highlights:
- Annual fee waived: Spend ₹25,000 annually.
- Earn 2 reward points: For every ₹150 spent.
- Fuel surcharge waiver: Up to ₹250 available per billing cycle.
- Complimentary accident insurance: For added protection.
- Zero liability: On lost card reporting.
6. HDFC Regalia First Credit Card
Yearly Fee: ₹1,000
The HDFC Regalia First Credit Card offers premium travel and lifestyle benefits, along with generous rewards for high spenders.Key Highlights:
- Annual fee waived: Spend ₹1,00,000 annually.
- Earn 4 reward points: For every ₹150 spent.
- Free airport lounge access: Eight times a year.
- Fuel surcharge waiver: 1% on bills from ₹400 to ₹5,000.
- Comprehensive travel and personal accident insurance: For peace of mind.
- Exclusive dining and lifestyle privileges: Under the HDFC Regalia program.
7. HDFC Diners ClubMiles Credit Card
Yearly Fee: ₹1,000
The HDFC Diners ClubMiles Credit Card offers air miles, lounge access, and other premium benefits for frequent flyers.Key Highlights:
- Annual fee waived: Spend ₹1,00,000 annually.
- Earn 3 reward points: For each ₹150 spent, get air miles in return.
- Free airport lounge access: Over 700 lounges worldwide.
- Fuel surcharge waiver: 1%.
- Travel insurance: Covering trip delays, lost baggage, and more.
- 10X rewards: On international transactions and select travel platforms.
8. HDFC Platinum Times Credit Card
Yearly Fee: ₹1,000
The HDFC Platinum Times Credit Card offers exclusive rewards and discounts on dining, movies, and shopping.Key Highlights:
- Annual fee waived: Spend ₹50,000 annually.
- Earn 10X reward points: On weekday dining spends.
- 25% discount: On movie tickets booked via partner platforms.
- Earn 2 reward points: For ₹150 spent in other categories.
- Fuel surcharge waiver: You can earn up to ₹250 each billing cycle.
9. Swiggy HDFC Bank Credit Card
Yearly Fee: ₹500 (Lifetime Free for eligible users)
The Swiggy HDFC Bank Credit Card offers high cashback on Swiggy orders, along with additional lifestyle benefits.
Key Highlights:
- Lifetime free: For select users.
- Up to 10% cashback: On Swiggy spends.
- 5% cashback: On dining at select restaurants.
- Partner platform discounts: For groceries, dining, and travel.
- Zero liability: On lost card reporting.
10. Tata Neu Plus HDFC Bank Credit Card
Yearly Fee: ₹499
The Tata Neu Plus HDFC Bank Credit Card offers NeuCoins on every transaction, redeemable across Tata’s ecosystem of brands.
Key Highlights:
- Annual fee waived: Spend ₹50,000 annually.
- Earn 2% NeuCoins: On partner spends.
- Earn 1% NeuCoins: On other transactions.
- Additional discounts: At Tata-affiliated brands like Croma, BigBasket, and TataCliq.
- Fuel surcharge waiver: Foe every billing cycle, you can get upto 250.
- Complimentary Tata Neu membership benefits: For added perks.
Benefits of HDFC Lifetime Free Credit Cards
The HDFC credit cards listed offer diverse benefits catering to various spending habits and lifestyle needs.
1. Personalized Rewards for Every Lifestyle
Shopaholics: Love to shop? Cards like the HDFC MoneyBack and Tata Neu Plus reward you with cashback and points on both online and offline purchases.
Foodies: Indulge your taste buds with the Swiggy HDFC Bank Credit Card. Enjoy cashback on Swiggy orders and dining at partner restaurants.
Travel Enthusiasts: Frequent flyer? Cards like Diners ClubMiles and Regalia First offer air miles, travel insurance, and lounge access.
Entertainment Lovers: Catch the latest movies and dine out with the Platinum Times Credit Card. It provides discounts on dining and cinema tickets.
2. Affordable Fees, Easy Waivers
Enjoy low annual fees starting from just ₹500. You can even waive these fees by spending a certain amount annually. Some cards, like the Swiggy HDFC Bank Credit Card, are completely free for eligible users.
3. Generous Rewards, Big Savings
Earn points on every purchase, with extra rewards for categories like dining, fuel, groceries, and travel. Redeem these points for statement credit, shopping vouchers, or flight tickets. You can also enjoy cashback on online shopping, food delivery, and select partner platforms.
4. Fuel Your Savings
Most HDFC credit cards offer a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. This means significant savings for frequent drivers.
5. Travel in Style, Worry-Free
Premium cards like Diners ClubMiles and Regalia First offer access to domestic and international airport lounges. Enjoy travel insurance coverage for trip delays, lost baggage, and accidents. You can also get discounts on travel bookings through the HDFC SmartBuy platform.
6. Partner Discounts, Exclusive Offers
Get attractive discounts and cashback on top brands through HDFC’s SmartBuy platform and co-branded cards. Get added perks like NeuCoins on the Tata Neu Plus Credit Card and Swiggy-specific rewards with the Swiggy HDFC Bank Credit Card.
7. Flexible Financing
Convert your big purchases into easy EMIs directly through your credit card. This gives you the flexibility to manage your payments without straining your finances.8. Secure and Convenient
Our chip-enabled cards ensure safe transactions. What’s more, you can enjoy seamless contactless payments.
9. Cards for Everyone
Whether you're a beginner or a seasoned card user, HDFC has the perfect card for you. Entry-level cards like HDFC Freedom and EasyShop offer essential benefits, while premium cards like Diners ClubMiles and Regalia First cater to upscale needs.
Process to Apply for HDFC Lifetime Free Credit Cards
1. Apply Online: A Quick and Easy Process
Applying for an HDFC credit card online is simple and hassle-free. Here’s how:- Visit the HDFC Bank Website: Go to the official HDFC Bank website or mobile app.
- Explore Credit Card Options: Navigate to the "Products" section, then "Cards," and finally "Credit Cards." Choose the card that best suits your needs, such as Freedom, MoneyBack, or Millennia.
- Check Your Eligibility: Use the eligibility calculator to see if you qualify. You may need to provide basic information like your income and employment type.
- Fill Out the Application Form: Complete the online application by entering your personal, financial, and employment details. You may need to upload required documents.
- Submit Your Application: Fill out the form, then submit it through the online portal. You’ll receive both a confirmation and a reference number for easy tracking.
- Wait for Verification and Approval: HDFC Bank will verify your details and process your application. Approval may take a few business days.
2. Apply Offline: The Traditional Way
If you prefer a more traditional approach, you can apply for an HDFC credit card at your nearest branch. Here’s how:
- Find Your Nearest Branch: Locate the nearest HDFC Bank branch using the bank’s website or by calling customer care.
- Visit the Branch: Go to the branch and speak with a bank representative about your credit card options.
- Fill Out the Application Form: Complete the physical application form provided by the bank.
- Submit Required Documents: Submit the necessary documents, such as proof of identity, address, and income.
- Wait for Verification and Approval: The bank will verify your details and inform you about the status of your application.
3. Pre-Approved Offers: A Quick and Convenient Option
If you are a current HDFC Bank customer, you might qualify for pre-approved credit card offers. Here’s how to check:
- Log In to NetBanking or Mobile App: Access your HDFC NetBanking account or mobile app.
- Check for Pre-Approved Offers: Navigate to the “Cards” section to see if you have any pre-approved offers.
- Apply for Your Pre-Approved Card: If you find a suitable offer, select it and complete the application process.
FAQs on HDFC Life Time Credit Card
1. Are HDFC credit cards truly free for life?
HDFC does not offer fully lifetime-free cards but provides low-fee cards with waivers on meeting annual spend criteria.
2. What is the minimum spend to waive the annual fee for HDFC credit cards?
The minimum spend required varies by card, starting as low as ₹25,000 per year.
3. Which HDFC card is best for cashback on Swiggy orders?
The Swiggy HDFC Bank Credit Card offers up to 10% cashback on Swiggy orders.
4. Do HDFC credit cards provide airport lounge access?
Yes, premium cards like Regalia First and Diners ClubMiles offer complimentary airport lounge access.
5. Can I earn reward points on fuel purchases with HDFC credit cards?
While fuel transactions often have a surcharge waiver, reward points may not be earned on such spends.
6. How can I apply for an HDFC credit card?
You can apply online via the HDFC website or app, or offline by visiting a branch.
7. What documents are required to apply for an HDFC credit card?
Commonly required documents include proof of identity, address, and income.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.
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