HDFC Lifetime Free Credit Card

• The application process is straightforward and hassle-free.
• HDFC lifetime free credit cards do not have any annual charges.
• These cards come with various attractive deals and discounts.
• They offer exciting deals on dining, airport lounge access, fuel, hotel reservations, movies, entertainment, etc.
• They offer amazing rewards and cashback programs.

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 Regalia Gold Credit Card
• HDFC MoneyBack+ Credit Card
• HDFC Millennia Credit Card
• HDFC Tata Neu Plus Credit Card
• HDFC Tata Neu Infinity HDFC Bank Credit Card
• HDFC Diners Club Black Credit Card 
• HDFC INFINIA Credit Card
• Swiggy HDFC Bank Credit Card
• HDFC Bank UPI RuPay Credit Card
• IRCTC HDFC Bank Credit Card
• HDFC Diners Club Privilege Credit Card
• HDFC Freedom Credit Card
• Paytm HDFC Bank Credit Card
• Paytm HDFC Bank Select Credit Card
• Paytm HDFC Bank Mobile Credit Card
• Paytm HDFC Bank Digital Credit Card
• HDFC Bank Times Card Credit Platinum
• HDFC Bank Harley-Davidson Diners Club Credit Card
• Indian Oil Credit Card

The key features and benefits of the above-mentioned HDFC lifetime-free credit cards are given below:

HDFC Regalia Gold Credit Card

The renewal fee of Rs. 2,500 + applicable taxes is waived if you spend Rs. 4 Lakhs in the previous year.

Key Features:

• Complimentary Club Vistara Silver Tier & MMT Black Elite membership as welcome benefits.
• Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 Lakhs
• Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 Lakhs.
• An additional voucher of Rs. 5,000 on spends of Rs. 7.5 Lakhs.
• 5X Reward Points on spends at Myntra, Marks & Spencer, Nykaa & Reliance Digital.
• 4 Reward Points on every Rs.150 spent on retail.
• Complimentary lounge access at 1000+ airports.
• Up to 7.5% savings on all restaurant bill payments via Swiggy Dineout. 

HDFC MoneyBack+ Credit Card

The annual fee for HDFC MoneyBack+ Credit Card of Rs. 500 + applicable taxes, is waived off completely on spending Rs. 50,000 or above in an annual year.

Key Features:

• 10X CashPoints on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore & Swiggy.
• 5X CashPoints on EMI expenses at merchant locations.
• 2 CashPoints on spending every Rs. 150 on other categories.
• Rs. 500 gift voucher on spending Rs. 50,000 per calendar quarter
• Up to 20% discount on dining at Swiggy Dineout partner restaurants in select cities.
• 1% fuel surcharge waiver on fuel transactions 
• 500 CashPoints  on payment of membership fee.  

HDFC Millennia Credit Card

A renewal membership fee of Rs. 1,000 + applicable taxes can be waived off on spending Rs. 1,00,000 or more in a year.

Key Features:

• 5% Cashback on Amazon, Flipkart, Myntra, Cult.fit, BookMyShow, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
• 1% cashback on all other spends (except fuel).
• Rs. 1000 worth of gift vouchers on spending Rs. 1,00,000 and above in every calendar quarter.
• Up to 20% discount on partner restaurants via Swiggy Dineout.
• 1% fuel surcharge waiver at all fuel stations across India.   

Tata Neu Plus HDFC Bank Credit Card

Spend Rs. 1,00,000 or more in a year before your card’s renewal date and get your renewal fee of Rs. 499 + applicable taxes completely waived off.

Key Features:

• Get 499 NeuCoins on Tata Neu App as a reversal of first-year membership fee.
• 2% back as NeuCoins on Non-EMI spending at Tata Neu and partner Tata brands. 
• 1% back as NeuCoins on spending at Non-Tata brands and any merchant EMI spends.
• 1% back as NeuCoins on UPI spends (including spends on partner Tata Brands). 
• Additional 5% back as NeuCoins on Tata Neu app/website on select categories.
• 4 complimentary domestic lounge access each calendar year (1 in a quarter).
• 1% fuel surcharge waiver at all fuel stations across India. 

HDFC Tata Neu Infinity HDFC Bank Credit Card

Spend Rs. 3,00,000 or more in a year before your card’s renewal date and get your renewal fee of Rs. 1,499 + applicable taxes completely waived off.

Key Features:

• Get 1,499 NeuCoins on Tata Neu App as a reversal of first-year membership fee.
• 5% back as NeuCoins on Non-EMI spending at Tata Neu and partner Tata brands. 
• 1.5% back as NeuCoins on spending at Non-Tata brands and any merchant EMI spends.
• 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands). 
• Additional 5% back as NeuCoins on Tata Neu app/website on select categories.
• 8 complimentary domestic lounge access each calendar year (2 in a quarter). 
• 1% fuel surcharge waiver at all fuel stations across India.  

HDFC Diners Club Black Metal Edition Credit Card

Renewal membership fee of Rs. 10,000 + applicable taxes on this card is waived off on spending Rs. 8 Lakhs in 12 months.

Key Features:

• Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One on spending Rs. 1.5 Lakhs within the first 90 days of card issuance.
• Unlimited access to 1300+ airport lounges in India and worldwide.
• 10,000 Bonus Reward Points on spending Rs. 4 Lakhs every calendar quarter.
• 5 reward points for spending every Rs. 150.
• Up to 10X reward points through SmartBuy & 2X on weekend dining.
• 6 complimentary golf games per quarter at the finest courses in the world.
• Credit liability cover of Rs. 9 Lakhs.  

Swiggy HDFC Bank Credit Card

The renewal membership fee of Rs. 500 + applicable charges is waived off on spending Rs. 2,00,000 or more in a year, before the card renewal date.

Key Features:

• 10% cashback on Swiggy app (Food ordering, Instamart, Dineout & Genie).
• 5% cashback on online spends across online MCCs. 
• 1% cashback on other categories. 
• Complimentary Swiggy One membership for 3 months as welcome benefit.  

HDFC Bank UPI RuPay Credit Card

The renewal membership fee of Rs. 99 + applicable taxes is waived off on spending Rs. 25,000 or more in an annual year.

Key Features:

• 3% Cashpoints on Groceries, Dining & SuperMarket spends and PayZapp transactions. 
• 2% Cashpoints on Utility spends.
• 1% Cashpoint on other spends (excluding Rent, EMI, Fuel, Insurance Payments, Wallet loads & Government categories).  

HDFC INFINIA Metal Edition Credit Card

On spending Rs. 10 Lakhs or more in the preceding year, you can get a renewal membership fee of Rs. 12,500 + applicable taxes waived off for next year.

Key Features:

• Book a stay for 3 nights & pay for 2 at participating ITC hotels. 
• 1+1 complimentary buffet at participating ITC hotels.
• Complimentary membership of Club Marriott for the first year that offers up to 20% discounts for dining and stays across the Asia Pacific region. 
• Unlimited complimentary access to 1,000+ airport lounges within and outside India.
• Unlimited complimentary golf games at leading courses across India & select courses across the world. 
• 5 reward points for spending every Rs. 150.
• Additional 15% off on all your bill payments via Swiggy Dineout.
• 1% fuel surcharge waiver at all fuel stations across India.   

IRCTC HDFC Bank Credit Card

Renewal membership fee of Rs. 500 + applicable taxes waived off on spending Rs. 1,50,000 or more in a year.

Key Features:

• 5 Reward Point for spending every Rs. 100 on IRCTC ticketing website & Rail Connect App. 
• 1 Reward Point for spending every Rs. 100 on all other categories. 
• Additional 5% cashback on train ticket bookings through HDFC Bank SmartBuy. 
• 8 complimentary access each year (2 per quarter) to select IRCTC Executive Lounges. 
• 1% transaction charges waiver on transactions on IRCTC ticketing website & Rail Connect App.
• 1% fuel surcharge waiver at all fuel stations across India.
• Welcome gift voucher worth Rs. 500 on card activation. 
• Gift voucher worth Rs. 500 on quarterly spends of Rs. 30,000 or more. 
• 8 complimentary access every year (2 per quarter) to select IRCTC Executive Lounges.

HDFC Diners Club Privilege Credit Card

Spend Rs. 3 Lakhs in 12 months and get a renewal fee of Rs. 2,500 + applicable taxes waived for the next renewal year.

Key Features:

• Complimentary annual memberships of Times Prime and Swiggy One.
• 'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow.
• 4 reward points for spending every Rs. 150.
• Up to 10X reward points on spending via SmartBuy.
• Upto 20% off on all restaurant bill payments via Swiggy Dineout.
• 5X Reward Points on Swiggy and Zomato.
• Complimentary Rs. 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5 Lakhs.
• 2 complimentary airport lounge access every calendar quarter worldwide.   

HDFC Freedom Credit Card

Get a renewal membership fee of Rs. 500 + applicable taxes waived off on spending Rs. 50,000 and above in an annual year.

Key Features:

• 10X CashPoints (maximum 2,500 in a month) on Big Basket, BookMyShow, Swiggy, OYO, and Uber.
• 5X CashPoints (maximum 2,500 in a month) on EMI spends at merchant locations.
• 1 CashPoint for spending every Rs. 150 on other categories. 
• Up to 20% discount on dining via Swiggy Dineout at partner restaurants in select cities. 
• 1% fuel surcharge waiver.
• 500 CashPoints on payment of membership fee. 

IndianOil HDFC Bank Credit Card

Renewal membership fee of Rs. 500 + applicable taxes is waived on spending Rs. 50,000 and above in the first year.

Key Features:

• Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership.
• Earn up to 50 litres of free fuel annually. 
• Earn 5% of your spends as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in first 6 months & 150 after 6 months from card issuance).                                                          
• Earn 5% of your spends as Fuel Points on Groceries & Bill Payments (maximum 100 Fuel Points per month on each category).
• 1 Fuel Point on spending every Rs. 150 spent on all other purchases. 
• 1% fuel surcharge waiver at all fuel stations across India. 

Paytm HDFC Bank Credit Card

Get the annual fee of Rs. 500 + GST waived off on minimum annual retail spending of Rs. 50,000 (Non-EMI Spends).

Key Features:

• 3% cashback on all purchases on Paytm. 
• 2% cashback on select Paytm spends.
• 1% cashback on all other retail spends.
• You can avail up to 4 complimentary add-on cards.
• 1% fuel surcharge waiver.
• 1% Cashback upon spending Rs.10,000 every month.
• Upto 20% discount* on partner restaurants via Dineout.

Paytm HDFC Bank Select Credit Card

Renewal fee of Rs. 1,000 + GST is waived on spending Rs. 1,50,000 (Non-EMI Spends) in the 12 months period.

Key Features:

• 5% cashback on all purchases on Paytm. 
• 3% cashback on acccelerated categories like Swiggy, AJIO, Big Basket & Uber.
• 1% cashback on all other retail spends.
• You can avail of up to 4 complimentary add-on cards.
• 8 complimentary access in a calendar year (aapped at 2 visits per quarter) to domestic airport lounges in India.
• 1% fuel surcharge waiver.
• Gift Vouchers worth Rs. 500 on spending Rs. 50,000 (Non-EMI, Non-Wallet and Non-Rental Spends) every quarter. 
• Upto 20% discount* on partner restaurants via Dineout.

Paytm HDFC Bank Mobile Credit Card

Renewal fee of Rs. 149 + GST is waived on spending Rs. 25,000 (Non-EMI Spends) in the 12 months period.

Key Features:

• 2% cashback on all purchases on Paytm. 
• 1% cashback on select Paytm spends.
• 0.5% cashback on all other retail transactions.
• Upgrade to Paytm HDFC Bank Credit Card by spending Rs. 10,000 in 3 consecutive months. 
• Upto 20% discount* on partner restaurants via Dineout. 

Paytm HDFC Bank Digital Credit Card

Renewal fee of Rs. 149 + GST is waived on spending Rs. 25,000 (Non-EMI Spends) in the 12 months period.

Key Features:

• 2% accelerated cashback on using the Scan & Pay feature on Paytm App. 
• 2% cashback on key accelerated categories like Swiggy and Uber.
• 1% cashback on all other retail transactions including Paytm spends.
• Cashback upto Rs. 150 on first 2 transactions of Rs. 250 each.
• 1% fuel surcharge waived of on fuel transactions. 

HDFC Bank Harley-Davidson Diners Club Credit Card

Renewal membership fee of Rs. 2,500 + applicable taxes is waived off on spending Rs. 3 Lakhs in an anniversary year.

Key Features:

• Buy 1 Get 1 Free on all tickets via BookMyShow.
• 5X Reward Points on Swiggy & Zomato.
• Complimentary annual memberships of Swiggy One and Times Prime & Harley Vouchers worth Rss 750 as welcome benefits.
• Rs. 1,500 worth Marriott, Decathlon, etc. vouchers on quarterly spends of Rs. 1.5 Lakhs.
• 2 complimentary airport lounge access every calendar quarter worldwide.
• 4 Reward Points for spending every Rs. 150. 

HDFC Bank Times Credit Card

Spend Rs. 1,50,000 in a year and get a renewal membership fee of Rs. 500 + applicable taxes waived off.

Key Features:

• Complimentary Annual Times Prime membership.
• Up to 5% cashback on Utility Bills/Shopping. 
• Up to 10% off on your bill via PayEazy on Eazydiner.
• Up to 20% off on online and offline shopping, wellness & hotel stay.
• 2 reward points on every Rs. 150 retail spends. 
• 5 reward points on spending every Rs. 150 spent on dining on weekdays.
• 25% off on Movie Tickets on BookMyShow.
• 1% fuel surcharge waiver. 

HDFC Bank Times Credit Card Platinum

Spend Rs. 2,50,000 in a year and get a renewal membership fee of Rs. 1000 + applicable taxes waived off.

Key Features:

• Complimentary Annual Times Prime membership.
• Welcome E-Vouchers worth Rs. 5000.
• Up to 5% cashback on Utility Bills/Shopping.
• 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. 
• 10 reward points on spending every Rs. 150 spent on dining on weekdays.
• 50% off on Movie Tickets on BookMyShow.

Some common benefits of lifetime free credit cards 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. 

The common eligibility criteria for HDFC lifetime 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.

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.