Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Lifetime Free Credit Card

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  • 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.

    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.
      

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    HDFC Lifetime Free Credit Card Reviews

    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a good credit limit and got all the relevant information about the card process.I have not checked cash back offers and reward points .I have not used this card much so far.
      Was this review helpful? 2
      , surat
      Reviewed on Sep 13, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Good for travelers"
      0.5 5.0/5 "Blown Away!"
      Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 1.0/5 "Really Bad"
      I am using HDFC Bank credit card for the past 2 years which was processed through bank directly. It is a life time free credit card and the credit limit is given for low of 50 thousands only. I am using this card for shopping and many other purposes.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank money back credit card where they have provided with low credit limit of 50 thousands only, its an life time free credit card,there are good EMI option available and charges are nominal. I am using this credit card from past 2 years.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I do have HDFC Jet Privilege card which has the limit of Rs. 2.5 lakhs, they used to give me JP miles based on the transaction either I am on traveling or pleasure trip. Now I am planning to change this card because they don't have anymore in the market.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      In HDFC, i am having a credit card which is Regalia and this is my first credit card. I am getting a priority pass on airport and i won't use this card much. There is no annual fee charged on this card and they are not sending any offer related messages for this card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Normal Card"
      0.5 5.0/5 "Blown Away!"
      I am just using the credit card from HDFC and since 2014, i hold this card. There is no much benefits on this card and its like a normal other credit card. They have not increased the credit limit so far. I never interacted with the HDFC customer care till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good card for reward points"
      0.5 5.0/5 "Blown Away!"
      Currently I am holding money back card from HDFC Bank, it has good option to convert the accumulated points into encashment without any hassles, the customer support is proactive but the credit card has the yearly fee anyway its fine for me.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Instant and cash back offers are available always, card has annual fee,I am using this HDFC Bank credit card from last 2.5 years, customer service is very good, EMI options are available but rate of interest is very high and the credit limit is good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      This is a regalia first credit card which I'm using with HDFC and i get a lots of benefits and the limit and facility what they have given against the credit card is really good. This is my longest credit card which I'm using. I get a sur charges waiver off for petrol and for online merchants i get a cashback offers and benefits are more compared to other banks.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good for all usage"
      0.5 4.0/5 "Great!"
      I have been using this Hdfc card around six years, they have increased the credit limit initially it was Rs.45,000 now I believe I got around Rs.80,000. They give lots of offers at e commerce site amazon or flipkart, the billing cycle is also convenient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      customer service of the HDFC Bank where if we call the customer care service we need to wait long time, offers for the this card is nominal,I am using this credit card from last 3 years, annual fee is chargeable for this card. This is money back credit card where I get rewards for any transactions purchase.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I was using the HDFC Credit card and since i went to the out of country i have closed the card. They have given me a credit limit of Rs. 40000 and its a hassle free card to use. They are not sending the offer notifications to me on a regular basis. Still i haven't NOC letter and through call centre, i have given the request for surrendering the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Very nice card compared to others"
      0.5 5.0/5 "Blown Away!"
      For past 9 years, i have been using the credit card from HDFC. For the general enquiry, i used to call them and the response is fine. If i pay in time, there won't be any charges and the interest rate is nominal. Presently I'm using Regalia credit card and they provide some credit points so that i can redeem that. 4 point is equal to Rs.1 and I'm getting cashbacks on petrol bunks.
      Was this review helpful? 0
      , nellore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC card for last two years, the offers are good and they keep increasing the limit. Initially I couldn't change the points into cash back now they upgraded the card so its easy to convert all. The customer support is also helpful for my queries, the emi interest is pretty nominal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC bank credit card from last 6 months, credit limit of the card is very low, card offers are very good, rewards points system is nominal, customer care service available 24/7 days and if we have any issue customer service resolves quickly.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding HDFC Bank credit card from last four years, where the card limit is good,there are good EMI options available, cash back offers are good but the rewards points benefits is very less but rate of interest on the credit card is nominal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank credit card where they have provided me good credit limit, its an life time free credit card,there are good EMI option available, I am using this credit card from past 4 year, where their are good reward points and cash back offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC Bank credit card from last 1.6 years, Their are many unwanted charges are applicable on the HDFC bank credit card, card has zero annual charges, rewards points system is good, limit of the card is nominal, EMI options are available.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any delay .I am really satisfied with the credit limit .There are good reward points as well as cash back offers .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
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