A lifetime-free credit card is a credit card variant that does not involve any annual or renewal fee whatsoever. Some HDFC Credit Card comes with a minimal annual or joining fee, which can be completely waived off or reversed on achieving milestone spending limit. Below are such low-fee and lifetime-free credit cards offered by HDFC Bank.
HDFC offers the following wide range of credit cards that come with a minimal annual subscription fee that can be reversed/waived on reaching a set spending milestone.
Card Name | Annual Fee | Waiver/Reversal Condition |
---|---|---|
HDFC Regalia Gold Credit Card | Rs. 2,500 + applicable taxes | Annual spends of Rs. 4 Lakhs |
HDFC MoneyBack+ Credit Card | Rs. 500 + applicable taxes | Annual spends of Rs. 50,000 or above |
HDFC Millennia Credit Card | Rs. 1,000 + applicable taxes | Annual spends of Rs. 1,00,000 or more |
Tata Neu Plus HDFC Bank Credit Card | Rs. 499 + applicable taxes | Annual spends of Rs. 1,00,000 or more |
HDFC Tata Neu Infinity HDFC Bank Credit Card | Rs. 1,499 + applicable taxes | Annual spends of Rs. 3,00,000 or more |
HDFC Diners Club Black Metal Edition Credit Card | Rs. 10,000 + applicable taxes | Annual spends of Rs. 8 Lakhs |
Swiggy HDFC Bank Credit Card | Rs. 500 + applicable | Annual spends of Rs. 2,00,000 or more |
HDFC Bank UPI RuPay Credit Card | Rs. 99 + applicable taxes | Annual spends of Rs. 25,000 or more |
HDFC INFINIA Metal Edition Credit Card | Rs. 12,500 + applicable taxes | Annual spends of Rs. 10 Lakhs or more |
IRCTC HDFC Bank Credit Card | Rs. 500 + applicable taxes | Annual spends of Rs. 1,50,000 or more in a year |
HDFC Diners Club Privilege Credit Card | Rs. 2,500 + applicable taxes | Annual spends of Rs. 3 Lakhs |
HDFC Freedom Credit Card | Rs. 500 + applicable taxes | Annual spends of Rs. 50,000 and above in an annual year |
IndianOil HDFC Bank Credit Card | Rs. 500 + applicable taxes | Annual spends of Rs. 50,000 & above |
Paytm HDFC Bank Credit Card | Rs. 500 + GST waived | Annual retail spending of Rs. 50,000 (Non-EMI Spends) |
Paytm HDFC Bank Select Credit Card | Rs. 1,000 + GST | Annual spends of Rs. 1,50,000 (Non-EMI Spends) |
Paytm HDFC Bank Mobile Credit Card | Rs. 149 + GST | Annual spends of Rs. 25,000 (Non-EMI Spends) |
Paytm HDFC Bank Digital Credit Card | Rs. 149 + GST | Annual spends of Rs. 25,000 (Non-EMI Spends) |
HDFC Bank Harley-Davidson Diners Club Credit Card | Rs. 2,500 + applicable taxes | Annual spends of Rs. 3 Lakhs |
HDFC Bank Times Credit Card | Rs. 500 + applicable taxes | Annual spends of Rs. 1,50,000 |
HDFC Bank Times Credit Card Platinum | Rs. 1000 + applicable taxes | Annual spends of Rs. 2,50,000 |
The key features and benefits of the above-mentioned HDFC lifetime-free credit cards are given below:
The renewal fee of Rs. 2,500 + applicable taxes is waived if you spend Rs. 4 Lakhs in the previous year.
Key Features:
The annual fee for HDFC MoneyBack+ Credit Card of Rs. 500 + applicable taxes, is waived off completely on spending Rs. 50,000 or above in an annual year.
Key Features:
A renewal membership fee of Rs. 1,000 + applicable taxes can be waived off on spending Rs. 1,00,000 or more in a year.
Key Features:
Spend Rs. 1,00,000 or more in a year before your card’s renewal date and get your renewal fee of Rs. 499 + applicable taxes completely waived off.
Key Features:
Spend Rs. 3,00,000 or more in a year before your card’s renewal date and get your renewal fee of Rs. 1,499 + applicable taxes completely waived off.
Key Features:
Renewal membership fee of Rs. 10,000 + applicable taxes on this card is waived off on spending Rs. 8 Lakhs in 12 months.
Key Features:
The renewal membership fee of Rs. 500 + applicable charges is waived off on spending Rs. 2,00,000 or more in a year, before the card renewal date.
Key Features:
The renewal membership fee of Rs. 99 + applicable taxes is waived off on spending Rs. 25,000 or more in an annual year.
Key Features:
On spending Rs. 10 Lakhs or more in the preceding year, you can get a renewal membership fee of Rs. 12,500 + applicable taxes waived off for next year.
Key Features:
Renewal membership fee of Rs. 500 + applicable taxes waived off on spending Rs. 1,50,000 or more in a year.
Key Features:
Spend Rs. 3 Lakhs in 12 months and get a renewal fee of Rs. 2,500 + applicable taxes waived for the next renewal year.
Key Features:
Get a renewal membership fee of Rs. 500 + applicable taxes waived off on spending Rs. 50,000 and above in an annual year.
Key Features:
Renewal membership fee of Rs. 500 + applicable taxes is waived on spending Rs. 50,000 and above in the first year.
Key Features:
Get the annual fee of Rs. 500 + GST waived off on minimum annual retail spending of Rs. 50,000 (Non-EMI Spends).
Key Features:
Renewal fee of Rs. 1,000 + GST is waived on spending Rs. 1,50,000 (Non-EMI Spends) in the 12 months period.
Key Features:
Renewal fee of Rs. 149 + GST is waived on spending Rs. 25,000 (Non-EMI Spends) in the 12 months period.
Key Features:
Renewal fee of Rs. 149 + GST is waived on spending Rs. 25,000 (Non-EMI Spends) in the 12 months period.
Key Features:
Renewal membership fee of Rs. 2,500 + applicable taxes is waived off on spending Rs. 3 Lakhs in an anniversary year.
Key Features:
Spend Rs. 1,50,000 in a year and get a renewal membership fee of Rs. 500 + applicable taxes waived off.
Key Features:
Spend Rs. 2,50,000 in a year and get a renewal membership fee of Rs. 1000 + applicable taxes waived off.
Key Features:
Some common benefits of lifetime free credit cards are:
The common eligibility criteria for HDFC lifetime credit card are mentioned below:
Eligibility for salaried employee:
Eligibility for self-employed:
Following are the documents required to apply for an HDFC lifetime-free credit card:
Yes, the minimum age required is 21 years and the maximum is 60 years for salaried (65 years for self-employed).
No, HDFC does not offer any lifetime free credit card, many HDFC Bank credit cards come with minimal annual fees that can be waived/reversed on reaching a set spending milestone.
Yes, the card provides complimentary Annual Times Prime membership.
Yes, you will have to provide identity, address and income proof to apply for these cards.