HDFC Lifetime Free Credit Card

Below is the HDFC lifetime free credit card list containing 10 cards that come with a minimal annual subscription fee that can be reversed/waived on reaching a set spending milestone.

⇒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:

• This HDFC cash back credit card offers 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.

⇒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. 

⇒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. 
• This HDFC RuPay credit card offers 2% Cashpoints on Utility spends.
• 1% Cashpoint on other spends (excluding Rent, EMI, Fuel, Insurance Payments, Wallet loads & Government categories).

⇒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. 
• With this HDFC lounge access credit card, you get 8 complimentary access every year (2 per quarter) to select IRCTC Executive Lounges. 

⇒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 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. 
• Up to 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.

Some common HDFC lifetime free credit card benefits are as follows:

• 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.

If you meet the following common eligibility criteria for HDFC lifetime free credit card apply now for the preferred card online or offline :

Eligibility for salaried employees:

• 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.

If you want an HDFC lifetime free credit card apply online instantly with the following documents:

• 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 as income proof, because it is not possible to get a life time free credit card without income proof
• A copy of Form 16.

If you want to get an HDFC credit card apply online lifetime free through our website by following the steps given below:

• Click on the ‘Credit Cards’ on the homepage of our website.
• From the dropdown menu, choose ‘HDFC Bank Credit Card’ and select a preferred credit card. 
• Then click on the ‘Apply Now’ button.
• Enter all the required details, including your name, mobile number, email address, employment information, income details, and so on
• Verify your mobile number with an OTP.
• You will get a call from our credit cards expert soon to help you complete the credit card application process.

For more details and queries, you can get in touch with the HDFC credit card customer care team.