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HDFC Bank Lifetime Free Credit Cards

Credit cards are used by every category of people nowadays, ranging from young professionals to high net-worth individuals. Some super-premium credit cards have a high joining fee, while some mid-range cards have a lower joining fee, offering exclusive privileges and benefits to users. You can even get cards without any joining or renewal fees. Even though these cards don’t charge anything, they still offer some exciting hotel, dining, travel, entertainment, and other benefits. These cards also come in handy for people who want a credit card to improve their credit score and don’t plan on heavy use of their card.

Currently, HDFC Bank is offering many credit cards that are lifetime-free for a limited time period only.

HDFC LTF Credit Cards

Table of Contents

LTF HDFC Bank Credit Cards

HDFC Bank BizGrow Credit Card

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HDFC Bank BizGrow Credit Card
  • Joining FeeLifetime Free (Limited Time Offer)
  • Annual FeeLifetime Free (Limited Time Offer)
  • Best Suited ForBusiness Expenses
  • Rewards TypeReward Points

Rewards Rate

2 Cash Points/₹200 on Business Spends. 10X Cash Points on Select Categories

Welcome Benefits

Limited Time Offer – Earn Fuel/Amazon Voucher of ₹500 on Making 6 Transactions Within 90 Days of Card Issuance. Gift Voucher Worth ₹250

The HDFC Bank BizGrow Credit Card is an excellent option for small businesses looking to manage expenses while earning Reward Points on their purchases. With a low joining fee (which is currently waived) and the option to waive the renewal fee by spending ₹1 lakh annually, it’s cost-effective and practical. The card offers 2 Cash Points for every ₹150 spent and an accelerated 10x reward rate on select business expenses like GST payments, bill payments, and travel bookings. While it lacks travel perks, its strong reward structure and affordable fees make it a great fit for small enterprises.

HDFC Bank Pixel Play Credit Card

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HDFC Bank Pixel Play Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForShopping
  • Rewards TypeCashback

Rewards Rate

5% Cashback on Two Specified Categories Like Dining, Travel, Grocery, Fashion, etc. 5% Cashback on Smartbuy, and 3% Cashback on Any One Platform – Amazon, Flipkart, and PayZapp. 1% Unlimited Cashback on All Other Spends

Welcome Benefits

N/A

The HDFC Pixel Play Credit Card is a cashback-focused card designed for everyday spending. It offers up to 5% cashback on selected categories like dining, travel, groceries, and shopping, along with 1% cashback on all other spends, making it a great option for regular use. The card is especially appealing as it is lifetime free, and for a limited time, users can also get a unique FIFA World Cup edition design, making it a fun pick for football fans.

Benefits of HDFC Bank Lifetime Free Credit Cards

The following are the basic features and privileges that you can get with HDFC Bank lifetime free and other affordable, low joining fees credit cards –

  • You do not need to pay any joining, annual, or renewal fees for this credit card.
  • The application process for these credit cards is really simple and straightforward.
  • These cards may not be on par with some other super-premium and mid-range credit card offerings by HDFC Bank, but they still have multiple discounts and deals for the cardholder.
  • You get exclusive privileges across hotel/flight bookings, dining, travel, entertainment, lifestyle, fuel, and other categories.
  • You can do multiple tasks with lifetime free credit cards and one of its top uses is to improve your credit score and build a decent credit history.
  • The reward points and the redemption process on these cards are straightforward and amazing. You can redeem reward points against many products or vouchers, convert them to airmiles, cashback against the card statement balance, and more.
  • Once you build a good credit history and score using your lifetime free card, you can apply for and move on to other premium credit cards.

Eligibility and Documents Required

You must meet certain eligibility requirements to apply for the HDFC Bank lifetime free credit cards. These are some basic requirements and are common for most credit cards.

  • Applicant must be 21 to 60 years of age in the case of salaried employment and 21 to 65 years of age in the case of self-employed people.
  • Applicant must be an Indian citizen.
  • Applicant must have a decent credit score
  • Applicant must have a stable source of income.

You must provide the following documents whenever you apply for a lifetime free credit card. A recent photograph must also be provided along with the following documents –

  • ID Proof – Aadhaar Card, PAN Card, Driver’s License, Passport, etc.
  • Address Proof – Aadhaar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.
  • Income Proof – Salaried individuals need to provide the latest 2 months’ salary slips and bank statements. Self-employed individuals need to provide their audited ITR of the previous year.

All the documents provided must be valid and original. The credit card application will be rejected in case any documents are invalid or fake.

Credit Cards Comparison

In the following table, we will compare some of the best and most popular HDFC Bank lifetime free and some other affordable, low joining fee credit cards.

Category HDFC Bank BizGrow Credit Card HDFC Bank Pixel Play Credit Card
Reward Earning 2 Cash Points/₹150 on Business Spends. 10X Cash Points on Select Categories 5% Cashback on Two Specified Categories Like Dining, Travel, Grocery, Fashion, etc. 5% Cashback on Smartbuy, and 3% Cashback on Any One Platform – Amazon, Flipkart, and PayZapp. 1% Unlimited Cashback on All Other Spends
Reward Redemption Rewards Can Be Redeemed for Vouchers, Flight/Hotel Bookings, and Cashback Against Statement Redemption for Vouchers Via PayZapp
Travel Benefits N/A N/A
Spend-Based Waiver Renewal Fee Waiver on Spends of ₹1 Lakh Renewal Fee Waiver on Spends of ₹1 Lakh

How to Apply for HDFC Bank Lifetime Free Credit Cards?

Follow these steps to apply for HDFC Bank lifetime free credit cards or other variants –

  • Go through the details and features of the card of your choice.
  • Click on Apply Now.
  • You shall be redirected to the official application page.
  • Provide the necessary details, submit the required documents, and your application will be successful.

You shall also be required to complete a video KYC in order to submit your application successfully.

Bottom Line

If you are someone who doesn’t plan on extensive use of the credit card and just want it to improve your credit score and history, then HDFC Bank lifetime free credit cards are perfect for you. These cards won’t offer top-class privileges like some super-premium cards, but you do get exciting rewards and benefits when making transactions with your lifetime free card.

Several HDFC credit cards come with a spend-based renewal fee waiver, which can make your card free of cost for you. Other than this, HDFC rolls out various lifetime free offers from time to time. Let us know in the comments section below if you plan on using any HDFC Bank lifetime free credit card.

FAQs:

Various HDFC Bank credit cards can be made lifetime-free under certain conditions. You can get the annual fee of credit cards waived when spending a certain amount during the card anniversary year.

The following are the best HDFC Bank credit cards that come at an affordable joining fee of ₹500 or below – HDFC Bank RuPay IRCTC, Tata Neu Plus, HDFC UPI RuPay, and IndianOil HDFC Bank Credit Card.