Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    HDFC Lifetime Free Credit Card

    Ever since money has been digitalized, credit cards have held a special place in our finances. However, talking about the credit cards without annual fee (or the cards that are offered as lifetime free) in specific, they provide excellent deals on entertainment, fuel, dining, hotel reservations, etc. Let’s understand what the concept of lifetime free is and how does it work on credit cards.

    Overview Of The HDFC Lifetime Free Credit Card

    The process to apply for a credit card that has the option of lifetime free is hassle-free and comes with great deals and discounts. That’s why you will see a lot of people making different kinds of purchases, especially in the urban and metro cities.

    Whether it is shopping, buying movie tickets, dining at fancy restaurants, or even making installments, the lifetime free card comes to the rescue. Even though a credit card makes an individual’s transactions simple, the one important factor that has to be always taken care of is none other than the Credit Card Payment.

    Keep in mind that “everything has a price.” Purchasing via a credit card has certainly eased the shopping process and made our lives comfortable but what people fail to notice is the annual payments that come with every credit card. They remain hectic and those yearly reminders to clear the annual payments are undeniably frustrating.

    To overcome the issues, organizations came up with the concept of lifetime free scheme and today, you will see different banks and credit card companies offering such credit cards to their customers.

    Super Duper Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.1000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from January 1, 2019 to January 31, 2019

    Basic Features Of A Lifetime Free Credit Card

    • The process to apply is straightforward and trouble-free.
    • It gets rid of all the annual charges on credit cards.
    • It comes with several deals and discounts.
    • It offers exciting deals on fuel, dining, hotel reservations, movies, dining, entertainment, etc.
    • Multiple tasks can be done with just one card.
    • It can be replaced by other cards.
    • It offers amazing reward programs.

    The lifetime free credit card offered by HDFC comes with outstanding benefits and features. Here is a detailed information on it:

    Eligibility Criteria & Documentation Of A Lifetime Free Credit Card

    The eligibility criteria for availing the HDFC lifetime credit card are:

    For the salaried employee:

    • The minimum age requirement is 21 years.
    • The maximum age requirement is 60 years.

    For the self-employed:

    • The minimum age requirement is 21 years.
    • The maximum age requirement is 65 years.

    Documents required for Lifetime Free Credit Card

    The mandatory documents required for applying an HDFC lifetime-free credit card are:

    • A copy of the PAN card.
    • A copy of the ID proof.
    • A copy of the address proof.
    • A copy of the salary slips for the last 6 months.
    • A copy of Form 16.
    • A passport-size photograph.

    Currently, HDFC offers three types of credit cards that come with the lifetime free scheme. These are:

    • HDFC Regalia Credit Card
    • HDFC Regalia First Credit Card
    • HDFC Diners Club Rewardz Credit Card
    • HDFC Moneyback Credit Card
    • HDFC Freedom Credit Card

    Note: The option of “lifetime free” can be availed only when it is directly applied via HDFC bank. In fact, the scheme is not even applicable if you apply from the official website of HDFC or any of the thirty party websites.

    The key features and benefits offered by the HDFC lifetime free credit card are as follows:

    HDFC Regalia Credit Card

    Features of lifetime free HDFC Regalia Credit Card

    • It offers a complimentary membership in Club Vistara for the first year.
    • It offers 9 Club Vistara reward points for every 100 rupees that are spent on a Vistara flight.
    • It offers an additional baggage allowance of 5 kg.
    • It offers priority waitlist clearance and check-in at the airport.
    • It gives complimentary lounge access via Priority Pass Membership at more than 1000 airport lounges in the world. However, charges apply on this. It is $27 & GST for each person.
    • It offers two complimentary lounge access on a quarterly basis within India.

    Benefits of of lifetime free HDFC Regalia Credit Card

    • For every 150 rupees that are spent, you earn 4 reward points.
    • The accumulated reward points can be redeemed for travel bookings, air miles, or other exciting gifts. Make a note that the reward points are valid only for 2 years. Hence, ensure that they are redeemed before the expiry date.
    • It offers exclusive privileges on dining at one of the best and premium hotels in India.
    • It offers Contactless Payment Technology in India for an amount of Rs.2000. However, anything exceeding Rs.2000 will prompt for the credit card PIN.

    HDFC Regalia First Credit Card

    Features of lifetime free HDFC Regalia First Credit Card

    • It offers a free Priority Pass Membership with which there is a preferential access at more than 1000 airport lounges in the world.
    • The add-on credit card member is also eligible for the Priority Pass Membership.
    • Both the add-on member and the primary cardholder can together avail for three complimentary access outside India. However, the lounge visits in India are charged at $27 with the GST for each person.

    Benefits of lifetime free HDFC Regalia First Credit Card

    • It offers luxurious ambiance and delicious meals at more than 3000 premium restaurants.
    • It gives the option to customize the travel experience with the Travel Concierge Assistance. Whether you are booking a hotel room or making airline reservations, the concierge service is there to do it for you.
    • For every 150 rupees that you spend, you earn 4 reward points on the card.
    • The accumulated reward points can be redeemed for air miles or exciting gifts. The reward points are valid only for 2 years. So, make sure to redeem them before they expire.

    HDFC Diners Club Rewardz Credit Card

    Features of lifetime free HDFC Diners Club Rewardz Credit Card

    • It offers assistance in booking hotels and flight tickets at more than 150 airlines & hotels. This includes both international and domestic. The list of hotels and airlines are mentioned at their official page: hdfcbankdinersclub.com
    • It offers free lounge access via Exclusive Airport Lounge Program at more than 25 airports in India.
    • It offers 24×7 concierge assistance (in multiple languages) to customize your travel plan.

    Benefits of lifetime free HDFC Diners Club Rewardz Credit Card

    • It offers 10 reward points on international spends.
    • You can earn 3 reward points on every 150 rupees that you spend.
    • The accrued reward points can be redeemed for hotel bookings and air tickets both domestically & internationally.
    • The daily limit on the credit card can be upgraded for international spends easily via HDFC net banking.
    • The gathered reward points have to be redeemed within 2 years from the date of possession. Else, they expire.

    HDFC Moneyback Credit Card

    Features of lifetime free HDFC Moneyback Credit Card

    • There is 1% surcharge waived on the fuel transactions. However, the minimum transaction has to be at least Rs.400.
    • This is an important and useful feature. The moment you lose the credit card, you have to report it within 24 hours to the HDFC call center. The customer support will assist you throughout the process and will block the card. In doing so, you will not have any liabilities on any kind of fraudulent transaction made with your credit card.
    • The lifetime free credit card also comes with an interest-free duration of 50 days, starting from the purchase date. Hence, any payment done within this time frame will not incur any interest rate on the credit card.

    Benefits of lifetime free HDFC Moneyback Credit Card

    • For every Rs.150 that you spend, you will earn 2 reward points. The accumulated rewards can be either redeemed as cashback on the outstanding credit amount or redeemed for amazing services, gift vouchers, or air miles. As per the HDFC norms, the reward points won’t be accumulated for fuel transactions. It is only for retail purchases. Any transaction amount that is less than Rs.150, doesn’t accrue reward points either.
    • The earned reward points are valid for two years, starting from the accumulation date. So, ensure to redeem before they expire.
    • The HDFC credit card under the free lifetime scheme also gives valid reasons to make online purchases. The more the online transactions, the more the reward points. In fact, each time you spend online, it is twice rewarding. They will credit excess rewards in the next statement cycle.

    HDFC Freedom Credit Card

    Features of lifetime free HDFC Freedom Credit Card

    • It offers a bonus of 500 rewards as a welcome gift.
    • It offers zero liability on the lost/stolen/reissue card.
    • The revolving credit can be enjoyed at a minimum interest rate.
    • It offers an interest-free period of 50 days, starting from the date of possession.

    Benefits of lifetime free HDFC Freedom Credit Card

    • You can earn 25× rewards on birthday spends (3000 maximum capping reward points).
    • You can earn 10× rewards on SmartBuy & PayZapp spends (1500 maximum capping reward points for every statement cycle).
    • You can earn 1 reward point on every 150 rupees that are spent.
    • The accrued rewards can be exchanged for cash back or gift vouchers or exciting gifts.
    • If you spend Rs.60,000 in the last year, then you get a waiver of the renewal fee for the current year.

    HDFC Lifetime Free Credit Card Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 1
      , vadodara
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I am pretty much happy with HDFC Bank. I use the credit card and the charges are nominal. The credit limit is good. There are offers on the card and I get a lot of deals on the my transactions I do. The customer support and response is fine and there no hassles faced till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC Money back credit card for past 10 years. The credit limit is good and have no issues. They are providing good service to the customer. It is not a life time free credit card. EMI facility is provided but have not used. I have got discounts and reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for a very long time and the services of them had been pretty good. The credit limit with the card is good and it does not have any sort of annual charges as well. I had been getting some good benefits with the use of this card and i am using the card for all purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent Credit Card"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is excellent they give reward points based on the transactions. I am holding this card around one year hence they gave me the jumbo loan offer and upgraded they upgraded the credit limit. They give discount on the online shopping like amazon, the card service is also satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Very good credit card for other bank users"
      0.5 5.0/5 "Blown Away!"
      I always prefer HDFC service is very satisfactory service . For the last two years , I am using this HDFC credit card . I don't experience any negative things . Very good credit card for on-line shopping with some discount around 5-10 % . With a good credit limit of more than 50 k .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I have been using this credit card for the last couple of years, the services with them was good. I am satisfied with the credit limit with this card and there is an annual charges of 500 with this card as well. I have been using the card for all sort of purchases.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      Hdfc taken one week of time to approve my credit card,they quickly dispatched the card. Initially they declined the card then I raised the request, they approved it on next day. The service is good they responding to the customer in professional manner. Initially I paid the amount of Rs. 1800 hence it became life time free credit card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 2.5/5 "Just OK"
      I had been using this credit card for the last two years and the services which they had been providing so far has been pretty good. But they had been making many hidden charges and there was not much offers other than the reward points. The credit limit with the card is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good. Online banking needs to be user friendly"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card which has a annual fee of Rs.500. The credit limit is good. I am also fine with the customer services and response too. The online banking is not user friendly, it is very complicated to login and to also convert the emi is not that easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Need more offers in the future"
      0.5 4.0/5 "Great!"
      I am using the HDFC national card . On initial days, i wont receive much notifications through Email . Impossible to get he Credit card statement also . HDFC taken some time to respond my all these request. HDFC Services wise I am okay .I dint find any hidden charges in HDFC till now .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is also doing great in the credit card services. I have a limit of four lakhs. Initially when I received my card, I had a limit of one lakh as my salary was low at that time and one lakh was more than sufficient too. Seeing my payments and transactions, they have enhanced it. I get good vouchers as I earn 3K to 4K reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good digital card"
      0.5 5.0/5 "Blown Away!"
      I have HDFC dinus club card, they have very good billing cycle. Every month 15th is my bill generation and due date falls on 4th, its very convenient after getting salary immediately I make the payment its so comfortable. I don't want to talk to anyone I can access everything through netbanking
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have been using this credit card for the last three years and the services which they had provided so far has been good. It is having a good credit limit and there has not been any annual charges with this card. I have been using this card for all sort of purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last one year and the credit limit with the card has been pretty good. There has been some good benefits and features with the card and i use the card for all sort of purposes. There has also been some annual charges with this card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good card for all transaction"
      0.5 4.0/5 "Great!"
      I have HDFC credit card called money back, they give more cash back on the shoppings, emi option is available. I am holding this card around six years, they keep enhancing and upgrading the benefits, I have received a life time free credit card from HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.