If you are an HDFC Bank Credit Cardholder, here is some good news for you. The HDFC bank is providing its cardholders with a great opportunity to make their credit card lifetime-free by achieving the required spend milestone within a specific time period. However, the offer is not valid on existing cards but only on those cards that have been issued during the offer period, i.e. on or after 1st February 2023. HDFC Bank previously launched a unique offer under which cardholders could make premium cards like the HDFC Regalia Credit Card lifetime free for them only on the basis of their spends during the first 90 days. This time, the card issuer has come up with another offer to provide their customers with an opportunity to save on annual/joining fees.

To know more about the offer and its detailed terms and conditions, keep reading the article.

HDFC Credit Card Lifetime Free

December 2023 Update: The list of HDFC Bank credit cards is now updated and includes Swiggy and Diners Black Metal Credit Cards.

February 2023 Update: HDFC Bank has introduced new fee waiver conditions for its credit cardholders. The joining fee is not directly waived, but the cardholders get an equivalent amount back in the form of a gift voucher. Moreover, the annual fee can be waived on the basis of your total spends in the preceding anniversary year.

How To Make Your HDFC Bank Credit Card Lifetime Free?

The condition to make your HDFC Bank credit card lifetime free can be fulfilled by paying the joining fee and spending the required milestone amount in an anniversary year. The offer is only applicable to selected credit cards, as mentioned in the table below. The eligible cardholders would receive a gift voucher equivalent to the joining fee amount, and they can get the renewal fee waived on the basis of their total spends in the previous year. All these welcome benefits, activation offers, and fee waiver conditions will be in effect from February 1, 2023, i.e. these conditions will only be applicable to cards that are issued on or after 1st February 2023.

The following table will help you understand the offer in much detail:

Credit Card Annual Fee Renewal Fee Waiver Condition (Spends Within 12 Months)
Infinia Metal Credit Card Rs. 12,500 Rs. 10 lakhs
Diners Club Black Metal Edition Credit Card Rs. 10,000 Rs. 8 lakhs
Tata Neu Plus Credit Card Rs. 1,499 Rs. 1 lakh
Tata Neu Infinity Credit Card Rs. 499 Rs. 3 lakh
MoneyBack + Rs. 500 Rs. 50,000
HDFC Bank UPI RuPay Credit Card Rs. 250 Rs.25,000
Swiggy HDFC Bank Credit Card Rs. 500 Rs. 2 Lakhs
HDFC Diners Club Privilege Credit Card Rs. 2,500 Rs. 3 lakhs
HDFC Millennia Credit Card Rs. 1,000 Rs. 1 lakh

Also Read: HDFC Bank SmartBuy Offers 

Out of a wide range of credit cards issued by HDFC Bank, the following are some of the most popular ones that you can make lifetime free through the above method or using other ways:

HDFC Millennia Credit Card

The Millennia Credit Card issued by HDFC Bank is one of the best cashback credit cards in India. It charges an annual fee of Rs. 1,000 and provides you with great privileges across various categories. With this card, you can earn up to 5% cashback on your spends, i.e., you can save amazingly. Some other important benefits of this card are:

  • The cardholders can earn 5% cashback on selected online brands and 1% cashback on all other spends.
  • The card offers 4 complimentary domestic lounge access every year.
  • You can enjoy up to 20% discount on dining at premium restaurants.

HDFC Bank MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is a basic but popular card issued by HDFC Bank. It comes with an annual fee of Rs. 500 and offers a great reward rate with a number of additional benefits. The following are some of its important features:

  • The card offers 2 CashPoints on every spend of Rs. 150.
  • 5x CashPoints on EMI transactions at selected merchant outlets and 10x CashPoints on selected online brands, including Amazon, Flipkart, BigBasket, Swiggy, Zomato, etc.
  • The cardholders can earn gift vouchers worth up to Rs. 2,000 every year.

HDFC Bank Diners Club Privilege Credit Card

The HDFC Bank Diners Club Privilege Credit Card comes with an annual fee of Rs. 2,500 and offers a very similar reward rate to the Regalia Credit Card. Other than this, the card has several other features, as mentioned below:

  • The card offers 4 Reward Points on every spend of Rs. 150.
  • You get 12 complimentary domestic and international lounge access every year.
  • 8 complimentary golf games every year.
  • The cardholders also get complimentary air accident cover worth up to Rs. 1 Crore.

Benefits and Features of Lifetime Free HDFC Credit Cards

Some of the general features and benefits of lifetime free credit cards are listed below:

  • You don’t need to pay any annual maintenance charges in order to avail of the benefits of a lifetime free credit card.
  • The HDFC Bank Credit Cards, which you can make lifetime free, don’t just come with a credit limit. Still, some of these also offer exclusive benefits like great reward rates, complimentary lounge access, and many more privileges across different categories.
  • The Lifetime free credit cards are generally easier to get approved for compared to other expensive cards.

Bottom Line

HDFC Bank, being the most popular credit card issuer in India, keeps launching exclusive offers from time to time, and this time, it has come with an exceptionally amazing offer for cardholders. The eligible cardholders can make their credit card lifetime free just by spending the stipulated amount within the given time period. However, some of these cards also offer based waiver of the annual fee, and the cardholders can also make their HDFC Bank cards (selected cards) lifetime free by activating Balance Transfer, OneAssist, or SmartPay on their credit card and renewing it every year. But under this offer, you have a chance to make your card free for a lifetime just by spending on it.

So, if you are planning to make large purchases, apply for one of these cards and try to make it lifetime-free. In case you have any further questions regarding this offer, you can freely ask us in the comment section below!

1 Comment

  1. Raghunath Karati Reply

    I have applied Millennia credit card today, it will be ltf or not? If not then tell me an option to make it life time free?

    And also let me know that if i recharge and make bill payment through this card on amazon how much I will get 5 or 1 percent cashback

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