A lifetime free credit card is a type of credit card with no annual fees or renewal fees. HDFC offers a wide range of credit cards including basic, premium and super premium cards. The Shoppers Stop HDFC Bank Credit Card is the only credit card offered by HDFC Bank with no joining or renewal fees and is free for life. However, most cards allow the annual fee to be waived once you reach a milestone spending limit. This varies from card to card. Here we are talking about cheap and forever free credit cards offered by HDFC Bank.
Basic Features of HDFC Lifetime Free Credit Card
- The application process is easy and hassle-free.
- HDFC does not charge annual fees for lifetime free credit cards.
- These cards come with a variety of attractive perks and discounts.
- We offer attractive discounts on meals, airport lounge access, fuel, hotel reservations, movies, entertainment and more.
- We offer great bonuses and cashback programs.
Lifetime free credit card from HDFC Bank
HDFC currently offers only one Lifetime Free Credit Card. This is the Shoppers Stop HDFC Bank Credit Card. There is no joining fee or renewal fee for this card. The main features of this card are:
- A Shopper’s Stop Voucher worth INR 500, redeemable with any purchase of INR 3,000 or more at any Shoppers Stop store.
- 6 First Citizen Points for every Rs 150 spent on Shopper’s Stop private label (up to 500 per month).
- 2 First Citizen Points for every Rs.150 spent will be used towards payments on all other Shoppers Stop brands and other categories.
- Complimentary Shoppers Stop membership.
Apart from the above credit card, HDFC offers the following wide range of credit cards that come with a minimal annual subscription fee that can be reversed/waived on reaching a set spending milestone.
HDFC Lifetime Free Credit Card | How to get free Credit Card in 2023
- HDFC Regalia Credit Card
- HDFC MoneyBack+ Credit Card
- HDFC Millennia Credit Card
- HDFC Tata Neu Plus HDFC Bank Credit Card
- HDFC Tata Neu Infinity HDFC Bank Credit Card
- HDFC Diners Club Black Credit Card
- INFINIA Credit Card Metal Edition In India
- HDFC Diners Club Privilege Credit Card
- HDFC Freedom Credit Card
- Shoppers Stop HDFC Bank Credit Card
- Paytm HDFC Bank Credit Card
- Paytm HDFC Bank Select Credit Card
- HDFC Regalia First Credit Card
- HDFC Diners Club Miles Credit Card
- HDFC Bank Times Card Credit Platinum
- InterMiles HDFC Bank Diners Club Credit Card
- HDFC Indian Oil Credit Card
Lifetime free Credit Cards Key Features
The main features and benefits of the HDFC Lifetime Free Credit Card mentioned above are:
HDFC Regalia Credit Card
The membership fee on renewal is Rs 2,500 and applicable tax will be waived on spending of Rs 2,500 or more. Last year it was 30,000 yen.
Major features:
- Complimentary access to 12 lounges at Indian airports and 6 lounges at international airports.
- 10,000 bonus reward points for spending INR 500,000 and an additional 5,000 points for spending INR 8 million in the anniversary year.
- 4 points will be awarded for every Rs. 150 retail spend.
- A flat 25% discount at over 2,000 fine dining restaurants.
HDFC MoneyBack+ Credit Card
Annual fee for HDFC MoneyBack+ credit card is INR 500 + applicable tax, fully waived once INR is issued. 50,000 or more per year.
Major features:
10x Cash Points at Amazon, Flipkart, BigBasket, Reliance Smart SuperStore and Swiggy
5x cashpoints with EMI in retail stores
2 cashpoints for every Rs 150 spent on other expenses
Gift Certificate Value of Rs.500 Rs.50,000 per Calendar Quarter
Up to 15% off dining at Dineout partner restaurants in select cities
HDFC Millenia Credit Card
The membership renewal fee is INR 1,000 and is exempt from applicable taxes at the time of issuance. Over 100,000 a year.
Major features:
- 5.Amazon shback, Flipkart, Myntra, Cult.fit, BookMyShow, Sony LIV, Swiggy, Tata CLIQ, Uber, Zomato.
- One reimbursement for all other expenses (except fuel).
- 1,000 Rupees Gift Certificate Not less than 1,00,000 Rupees each calendar quarter. Up to 20% off partner restaurants via Dineout.
- Complimentary domestic lounge access is 8 times per calendar year (2 times per quarter).
HDFC Tata Nu Plus HDFC Bank Credit Card
Spending Rs. 1,00,000 or more in a year prior to renewal date for cards using Rs. 499 renewal fee and applicable taxes will be fully waived.
Major features:
- You will receive 499 NeuCoins in the Tata Neu app as a refund of your first year membership fee.
- For NeuCoins, click on Non-EMI spending on Tata New and Tata Partner Brands.
- Enter NeuCoins for non-Tata brand spend and all EMI retailer spend.
- Additional 5 as NeuCoins on the Tata Neu app/website in selected categories.
- Complimentary domestic lounge access four times per calendar year (once quarterly).
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HDFC Tata New Infinity HDFC Bank Credit Card
The renewal fee of INR 1,499 and applicable taxes will be fully waived if you spend INR 3,00,000 or more in one year prior to your renewal date for any card using Rs.
Major features:
- You will receive 1,499 NeuCoins in the Tata Neu app as a refund of your first year membership fee.
- 5 as Tata Neu and Tata partner branded non-EMI NeuCoins.
- 1.5 cents in NeuCoins for non-Tata brand issues and all EMI dealer issues.
- Additional 5 as NeuCoins on the Tata Neu app/website in selected categories. Complimentary domestic lounge access 8 times per calendar year (2 times quarterly).
HDFC Diners Club Black Credit Card
Renewal Membership Fee Rs. 10,000 + applicable tax exemption on expenditure of Rs. 500,000 yen in 12 months.
Major features:
- Free annual memberships to Club Marriott, Amazon Prime, Forbes, Swiggy One (3 months), Times Prime and MMT BLACK.
- Free coupons from Ola Cabs/BookMyShow/cult.fit Live/TataCliQ for spending over Rs 80,000 monthly.
- 5 points will be awarded for every 150 rupees spent. Earn up to 10x bonus points on SmartBuy and double bonus points on weekend dining out.
- Every quarter he enjoys six free golf games on the world’s best golf courses.
HDFC INFINIA Credit Card Metal Edition in India
If you have spent more than INR 10 million in the previous year, you will receive INR 10 million as a renewal contribution. 12,500 + exempt from applicable taxes for the following year.
Major features:
- Book his 3 nights room rate for 2 people at a participating ITC hotel.
- Complimentary 1+1 buffet at participating ITC hotels. First year complimentary benefits of Club Marriott membership save up to 20% on dining and stays across Asia Pacific.
- Unlimited complimentary access to his 1,000+ airport lounges in India and abroad.
- 5 points gift for every 150 rupees
HDFC Diners Club Privilege Credit Card
Rs 300,000 for 12 months using Rs, exempt from renewal fee of Rs 2,500 and applicable tax for the next renewal year.
Major features:
- Annual memberships to MMT BLACK, Amazon Prime, Times Prime and Swiggy One are free.
- Free Coupon from Ola Cabs/BookMyShow/cult.fit Live/TataCliQ for spending over Rs 40,000 monthly. For every Rs 150 spent, 4 points will be rewarded.
- Up to 10x bonus points when you spend via SmartBuy.
- Double points on weekend meals.
- Every quarter he enjoys two free golf games at the best golf courses in the world.
- Free access to his 1,000+ airport lounges in India and around the world 12 times per calendar year.
HDFC Freedom Credit Card
Membership fee on renewal he will receive Rs 500 and any further use of Rs 500 will be exempt from applicable taxes. over 50,000 per year.
Major features:
- 10x cash points (up to 2,500 monthly) on Big Basket, BookMyShow, Swiggy, OYO and Uber.
- 5x cashpoints on retail EMI spend (up to 2,500 per month).
- 1 CashPoint with Rs. 150 per other category.
- Save up to 15% on dining with Dineout at participating restaurants in select cities. 500 cash points for membership fee payment.
Paytm HDFC Bank Credit Card
Receive a minimum retail spending (non-EMI spending) of Rs. 49 per month + Rs. 5,000 per month exempt from GST.
Major features:
- Refunds for all Paytm purchases.
- Refund of selected Paytm fees.
- 1%Refund of all other retail charges. You can use up to 4 free add-on cards.
- 1% fuel surcharge exemption.
Paytm HDFC Bank Select Credit Card
Renewal fee is waived when issuing Rs. 1.50,000 (non-EMI issues) in 12 months.
Paytm HDFC Bank Select Credit Card
Renewal fee waived on spending Rs. 1,50,000 (Non-EMI Spends) in the 12 months period.
Key Features:
- 5% cashback on all purchases on Paytm.
- 2% cashback on select Paytm spends.
- 1% cashback on all other retail spends.
- 8 complimentary domestic airport lounge access in a calendar year (up to 2 visits per quarter) across country.
- You can avail of up to 4 complimentary add-on cards.
- 1% fuel surcharge waiver.
HDFC Regalia First Credit Card
Renewal membership fee of Rs. 1,000 + applicable taxes waived for the next year on spending Rs. 1,00,000 in 12 months.
Key Features:
- Welcome and renewal benefit of 1000 reward points each.
- 8 complimentary airport lounge access per calendar year to the domestic and international terminals within India.
- 4 reward points on spending every Rs. 150 on all retail categories.
- 5,000 reward points on annual spending of Rs. 3 Lakhs or above each year.
- Additional 2,500 reward points on annual spends of Rs. 6 Lakhs or more in a year.
- Up to 5% cashback on your travel & shopping spends on SmartBuy.
HDFC Diners Club Miles Credit Card
Get a renewal membership fee of Rs. 1,000 + applicable taxes waived off on annual spends of Rs. 1 Lakh.
Key Features:
- Complimentary 6 access times a year in 1000+ leading airport lounges across the world.
- 15% discount & other benefits at the finest partner restaurants.
- 4 reward points for spending every Rs. 150.
Apply now for Lifetime free Credit Card
HDFC Bank Times Card Credit
Spend Rs. 2,50,000 in a year and get a renewal membership fee of Rs. 1000 + applicable taxes waived off.
Key Features:
- Welcome E-Vouchers worth Rs. 5000.
- Up to 15% off on your bill via PayEazy on Eazydiner.
- Up to 20% off on online and offline shopping, wellness & hotel stay.
- 3 reward points on every Rs. 150 retail spends.
- 50% off on Movie Tickets on BookMyShow.
InterMiles HDFC Bank Diners Club Credit Card
Spend Rs. 8 Lakhs in a year and get a waiver of next year’s annual membership fee of Rs. 5,000 + applicable taxes.
Key Features:
- Up to 25,000 Bonus InterMiles
- 10,000 InterMiles on spending Rs. 20,000 within the first 30 days of card set up.
- 15,000 InterMiles on total retail spends of Rs. 1,50,000 & above within the first 90 days.
- Rs. 2,000 flight discount vouchers & Rs. 3,000 hotel discount vouchers for the first year.
HDFC Indian Oil Credit Card
Spend Rs. 50,000 or more in a year and get a waiver of next year’s annual membership fee of Rs. 5,00 + applicable taxes.
Key Features:
- Earn up to 50 Litres of free fuel every year.
- Earn 5% of your spends as Fuel Points at IndianOil outlets.
- Earn 5% of your spends as Fuel Points on groceries & bill payments.
- 1 fuel point for spending every Rs. 150 spent on all other purchases.
Benefits of Lifetime Free Credit Card
Some common benefits of Lifetime Free Credit Card are:
- You can earn rewards for all the purchases and transactions done with lifetime-free credit cards, making using them more rewarding. These rewards can be redeemed later for airmiles, discounts, vouchers, and merchandise.
- Most of these credit cards allow you to convert your big-ticket purchases into easy Equated Monthly Instalments (EMIs). However, a minimal interest rate will be charged for availing of this facility.
- Just like all other credit cards, free-for-life credit cards also provide the revolving credit feature under which you can revolve the outstanding balance of the card to the next billing cycle and keep using the limit normally. However, availing of this facility will attract finance charges on a daily basis.
- Most lifetime free cards come with offers, such as no-cost EMIs on purchases done through Amazon, Flipkart, etc.
Eligibility Criteria of HDFC Lifetime Free Credit Card
The common eligibility criteria for HDFC Lifetime Free Credit Card are mentioned below:
Eligibility for salaried employee:
- The minimum age required is 21 years.
- The maximum age required is 60 years.
- The applicant must be earning the minimum monthly income as decided by the bank.
Eligibility for self-employed:
- The minimum age required is 21 years.
- The maximum age required is 65 years.
- The applicant must be earning the minimum annual income according to the recent ITR as decided by the bank.
Documents Required for HDFC Lifetime Free Credit Card
Following are the documents required to apply for an HDFC Lifetime Free Credit Card:
- Duly filled & signed credit card application form with a recent passport-size photograph.
- A copy of the PAN card.
- A copy of any valid identity proof.
- A copy of any valid address proof.
- A copy of the last 6 months’ salary slips.
- A copy of Form 16.
HDFC Lifetime Free Credit Card FAQs
Is there any minimum age criteria for HDFC Lifetime Free Credit Card?
Yes, the minimum age required is 21 years and the maximum is 60 years for salaried (65 years for self-employed).
Does HDFC offer any lifetime free credit card?
Yes, the Shoppers Stop HDFC Bank Credit Card does not involve any joining or renewal fees.
What are the benefits of Shoppers Stop HDFC Bank Credit Card?
- Rs. 500 worth of Shoppers Stop voucher, redeemable on shopping of minimum Rs. 3,000 at Shoppers Stop stores.
- 6 First Citizen Points (Up to 500 per month) for spending every Rs. 150 on Shoppers Stop private label brands.
- 2 First Citizen Points for spending every Rs. 150 spent on all other Shoppers Stop brands and other category spends.
- Complimentary Shoppers Stop membership.
Does HDFC Regalia Credit Card offer complimentary lounge access?
Yes, the card offers 12 complimentary lounge access in airports in India and 6 outside India.
Does HDFC Bank Times Card Credit offer any welcome benefit?
Yes, the card provides welcome E-Vouchers worth Rs. 5000.
Do I need to submit any identity address proof to get HDFC free for life card?
Yes, you will have to provide identity, address and income proof to apply for these cards.
Why should I get HDFC Lifetime Free Credit Card?
With a Lifetime Free Credit Card, you will be able to enjoy all the benefits of a credit card without having to pay any annual fee for the same.
I don’t have any credit history. Can I get an HDFC Credit Card?
Yes. HDFC Bank offers credit cards to people who are new to credit. However, you must meet the other criteria related to age, income and residential location.
How does the milestone benefit work on HDFC credit cards?
Milestone benefits could be given in the form of fee waiver or bonus reward points. You will only be able to get this benefit if you reach the preset spending milestone within the said time period.
How can I redeem the rewards on HDFC credit cards?
HDFC credit card reward points can be earned directly from the net banking facility of the bank. You can choose from multiple redemption options.