HDFC Bank Lifetime Free Credit Cards

The co-branded credit card by Shoppers Stop and HDFC Bank comes at no joining free and is a lifetime free card. People who love fashion and are regular shoppers at Shoppers Stop should get this card. Apart from complimentary Shoppers Stop membership, users also get offers on Zomato, Swiggy, etc.

• Complimentary Shoppers Stop membership
• Rs. 500 worth Shoppers Stop voucher as welcome benefit
• Get 6 First Citizen points per Rs. 150 spent on private level brands
• Get 2 First Citizen point per Rs. 150 spent on other brands
• 1% fuel surcharge waiver
• Reward points can be redeemed at Shoppers Stop outlets and online platforms

This is a business credit card by Paytm and HDFC Bank and is exclusively meant for Paytm customers. Business professionals should consider getting the card as they can get quick business loans at low-cost. With this card, you can get cashback on Paytm Mall purchases and also on your bill payments. Also, you get a complimentary Paytm First membership with this card.

• 3% cashback on Paytm spends including recharge, movies, Mini App, and utilities
• 2% cashback on other Paytm spends
• 1% cashback on other retail spends
• Complimentary Paytm First membership as welcome benefit
• Gift vouchers worth Rs. 250 on making 2 transactions inside 30 days of card activation
• 1% fuel surcharge waiver and spend-based renewal fee waiver

This card is co-branded by HDFC Bank and Tata Group and is ideal for loyal customers of both these brands. The card has a joining fee of Rs. 500 and offers 2% value back on TATA brand spends in the form of NeuCoins. Other than rewards, you also get benefits across other categories.

• 499 NeuCoins as a welcome benefit
• 2% value back as NeuCoins on Tata brand spends
• 1% value back as NeuCoins on other brand spends
• Extra 5% value back as NeuCoins on registering for Tata NeuPass
• Complimentary domestic lounge access
• 1% fuel surcharge waiver and spend-based renewal fee waiver

This co-branded card by IRCTC and HDFC Bank comes with a joining fee of Rs. 500 and offers a decent reward rate of 5 Cash Points per Rs. 100 spent. You can redeem Cash Points against various options and get complimentary access to railway lounges per quarter. If you frequently travel by rail, this is a great card for you.

• Rs. 500 worth Amazon vouchers as welcome benefit
• 1 Cash Point per Rs. 100 on retail spends
• 5 Cash Points on your IRCTC spends
• Complimentary railway lounge access
• Spend-based renewal fee waiver and 1% fuel surcharge waiver

Cardholders can link this credit card to their UPI IDs and use the card to make UPI transactions on apps like Mobikwik, PhonePe, Paytm, Google Pay, etc. This card is the first one that can be linked to your UPI ID and it offers up to 3% cashback on regular as well UPI transactions. You just get the virtual version of this card and no physical card is issued.

• 3% Cashpoints on grocery, supermarket, dining, and PayZapp spends
• 2% Cashpoints on your Utility spends
• 1% Cashpoints on all other spends
• Spend-based renewal fee waiver

This co-branded credit card by HDFC Bank and Paytm provides cardholders with a complimentary Paytm First membership and many other benefits on the application. This card has a monthly membership fee of Rs. 49 and it provides 2-3% cashback on Paytm app spends and 1% cashback on other spends.

• Complimentary Paytm First membership as a welcome benefit
• Up to 3% cashback on recharge, movies, and utility bill spends on Paytm
• Up to 2% cashback on other Paytm app spends
• Up to 1% cashback on other spends
• Rs. 1200 as cashback on reaching spend-based milestone
• Spend-based renewal fee waiver and 1% fuel surcharge waiver

A travel-based credit card by Indigo and HDFC Bank, this card offers exclusive rewards and benefits, especially on Indigo flight tickets. The card comes with a Rs. 500 joining fee offering extra reward points on Indigo spends. Cardholders get exclusive welcome benefits, free tickets, and several gift vouchers as well with the card.

• 2.5% 6E rewards on Indigo flight bookings
• 2% 6E rewards on entertainment, grocery, and dining spends
• 1% 6E rewards on other spends
• Up to 10% 6E rewards on Indigo partners
• Complimentary 6E Prime add-on as welcome benefit
• Complimentary Indigo flight ticket worth Rs. 1500
• Dining offers through the Good Food Trail program

This co-branded fuel card by Indian Oil and HDFC Bank has a joining fee of Rs. 500 and offers fuel points as rewards which can be used to get around 50 litres of fuel per year. Cardholders also get Indian XTRAREWARDS Program membership through which you can redeem fuel points at a decent rate and against a host of options.

• Complimentary Indian Oil XTRAREWARDS Program membership
• 5% back as fuel points at Indian Oil outlets, bill payments, and groceries
• 1 fuel point per Rs. 150 on other spends
• Up to 50 litres of free fuel per year
• 1% fuel surcharge waiver and spend-based renewal fee waiver

As the name suggests, the card allows easy EMI conversions on big spends and offers great cashback offers to the cardholders. Available at a joining fee of Rs. 500, the card offers a decent welcome benefit along with 5% cashback on Smartbuy and Payzapp spends, 2.5% cashback on online spends, and more. The CashPoints earned through the card can be redeemed against a lot of choices.

• 500 CashPoints as a welcome benefit
• 5% cashback on Flipkart, Amazon, flight, and hotel bookings through Payzapp and Smartbuy
• 2.5% cashback on online spends and 1% cashback on offline spends
• Spends above Rs. 10,000 are automatically converted to EMIs
• Rs. 1000 worth gift vouchers on reaching spend milestone
• 1% fuel surcharge waiver and spend-based renewal fee waiver

This credit card offers reward points on almost every spend made by you, in the form of CashPoints. On paying the joining fee of Rs. 500, you get 500 CashPoints and can also get a renewal fee waiver on the basis of your spends. The reward points earned by you can be redeemed against different things or for cashback.

• 500 CashPoints as welcome benefit
• 4 RPs per Rs. 150 on online spends and 2 RPs per Rs. 150 on other spends
• Rs. 500 worth gift voucher on quarterly spending of Rs. 50,000 and above
• Redeem reward points for various exciting things at the Smartbuy portal
• 1% fuel surcharge waiver and spend-based annual fee waiver

This credit card is like the better version of the Moneyback credit card. Both cards have the same joining fee of Rs. 500 but this card has a better reward rate as you can earn up to 20 CashPoints per Rs. 150 spent with the card. The card even offers gift vouchers, dining benefits, fuel benefits, and many more privileges to the cardholder

• 500 Cashpoints as a welcome benefit
• 2 Cashpoints per Rs. 150 spent
• 5x Cashpoints on EMI transactions
• 10x Cashpoints on spends at partner brands including Reliance Smart Store, Flipkart, Amazon, Swiggy, BigBasket, etc.
• Rs. 500 worth gift voucher on reaching quarterly spend milestone
• 15% dining discount at top restaurants across the country
• 1% fuel surcharge waiver and spend-based renewal fee waiver

This is a basic credit card by HDFC Bank and is ideal for new, first-time users. With a low joining fee of Rs. 500, you get a decent reward rate on this card of 1 CashPoint per Rs. 150 spent and can earn up to 10x CashPoints on spends made at various popular partner brands. You also get low 0.99% interest rate as an introductory benefit for the first 90 days.

• 500 CashPoints as a welcome benefit
• Low 0.99% interest rate for first 90 days after getting the card
• 10x CashPoints on popular partner brands
• 5x CashPoints on your EMI spends
• 1 RP per Rs. 150 spent on other things
• 15% discount at partner restaurants via Dineout
• 1% fuel surcharge waiver

The Solitaire credit card is exclusively meant for women professionals and comes with a complimentary wellness package. With a low joining fee of Rs. 500, you can get 3 RPs per Rs. 150 spent with the card along with accelerated rewards on dining and grocery spends. As women love to shop, the card also offers 2 complimentary Shoppers Stop voucher per year.

• Complimentary Thyrocare wellness package as welcome benefit
• 3 RPs per Rs. 150 spent
• Acclerated RPs on dining and grocery spends
• Bonus 1000 RPs as renewal benefit
• Rs. 2000 worth gift vouchers per year upon reaching the spend milestone
• 1% fuel surcharge waiver and spend-based annual fee waiver

The Bharat credit card by HDFC Bank is a cashback credit card offering some exciting features and benefits to the cardholder. With this card, you can earn up to 5% monthly cashback on select spend categories like bill payments, groceries, mobile recharges, and more. You also save up to 5% on booking railway tickets through IRCTC and on your fuel expenses.

• 50 days of interest-free period
• 5% monthly cashback on Category A spends that include fuel expenses, IRCTC ticket bookings, bill payments, groceries, mobile recharges, etc.
• 5% monthly cashback on Category B spends that include payments made through EasyEMI, SmartBuy, and PayZapp
• Cashback is retained as reward points