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HDFC Lifetime Free Credit Card

A lifetime-free credit card is a credit card variant that does not involve any annual or renewal fee whatsoever. HDFC offers a wide range of credit cards, including basic, premium and super-premium cards. Shoppers Stop HDFC Bank Credit Card is the only credit card offered by HDFC Bank that does not charge any joining or renewal fee and is free for a lifetime. However, you can get the annual fee waived off of most cards on achieving their milestone spending limit, which is different for all cards. Here we will discuss such low-fee and lifetime-free credit cards offered by HDFC Bank.

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Basic Features of HDFC Lifetime Free Credit Card

  • The application process is straightforward and hassle-free.
  • HDFC does not levy any annual charges on lifetime free credit cards.
  • 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 Credit Card Offer

Lifetime Free Credit Cards Offered by HDFC Bank

Currently, HDFC offers just one lifetime free credit card, i.e. Shoppers Stop HDFC Bank Credit Card. This card does not come with any joining or renewal fees. The key features of this card are mentioned below: 

  • Rs. 500 worth Shoppers Stop voucher, redeemable on shopping minimum of 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.

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.

Lifetime Free Credit Cards Key Features

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

HDFC Regalia Credit Card

The renewal membership fee of Rs. 2,500 + applicable taxes, is waived if you spend more than Rs. 3 Lakhs in the previous year.

Key Features:

  • 12 complimentary lounge access in airports in India and 6 outside India.
  • 10,000 bonus reward points on spending Rs. 5 Lakhs spends and additional 5,000 points on spending Rs. 8 Lakhs in an anniversary year. 
  • 4 reward points on spending every Rs. 150 on retail.
  • Flat 25% off at 2000+ premium restaurants.

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 per Rs. 150 on other spends 
  • Rs. 500 gift voucher on spending Rs. 50,000 per calendar quarter
  • Up to 15% discount on dining at Dineout partner restaurants in select cities 

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 Dineout.
  • 8 complimentary access per calendar year (2 in a quarter) to domestic lounges. 

HDFC 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.
  • Additional 5% back as NeuCoins on Tata Neu app/website on selected categories.
  • 4 complimentary domestic lounge access each calendar year (1 in a quarter). 

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.
  • Additional 5% back as NeuCoins on Tata Neu app/website on selected categories.
  • 8 complimentary domestic lounge access each calendar year (2 in a quarter). 

HDFC Diners Club Black Credit Card

Renewal membership fee of Rs. 10,000 + applicable taxes waived off on spending Rs. 5 Lakhs in 12 Months.

Key Features:

  • Complimentary annual memberships of Club Marriott, Amazon Prime, Forbes, Swiggy One (3 months), Times Prime and MMT BLACK.
  • Complimentary vouchers of Ola cabs/ BookMyShow/ cult.fit Live/ TataCliQ on spending above Rs. 80,000 every month.
  • 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.

HDFC INFINIA Credit Card Metal Edition In India

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.
  • 5 reward points for spending every Rs. 150

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 MMT BLACK, Amazon Prime, Times Prime and Swiggy One.
  • Complimentary vouchers of Ola cabs/ BookMyShow/ cult.fit Live/ TataCliQ on spending over Rs. 40,000 each month.
  • 4 reward points for spending every Rs. 150.
  • Up to 10X reward points on spending via SmartBuy.
  • 2X reward points on weekend dining.
  • 2 complimentary golf games per quarter at the finest courses in the world.
  • 12 complimentary access in a calendar year at 1000+ airport lounges in India and 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 15% discount on dining via Dineout at partner restaurants in select cities. 
  • 500 CashPoints on payment of membership fee.

Paytm HDFC Bank Credit Card

Get a monthly fee of Rs. 49 + GST waived off on minimum retail spending of Rs. 5,000 in a month (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.

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.

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 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. 

Eligibility Criteria of HDFC Lifetime Free Credit Card

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.

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?

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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?

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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?

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  • 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?

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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?

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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?

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Yes, you will have to provide identity, address and income proof to apply for these cards.