HDFC Lifetime Free Credit Card
Apply Now for HDFC Credit card at Arena Fincorp. You don’t have to go through the process of getting a HDFC lifetime free credit card at all. We will do it for you, so that you can relax & focus on things that are more important to you.
We have years of experience in providing financial solutions and will happily assist you in selecting the best HDFC bank credit card, ensuring a smooth and hassle-free experience. We work hard to provide you with the best credit cards in India, saving you from the hassle of comparing tons of credit cards from different banks on your own.
HDFC Lifetime Free Credit Card
Below is the list of some of the best HDFC Lifetime Free Credit Card. Though not every HDFC credit card is lifetime free, there are some cards which you can use for free forever without any annual renewal fee. However, there are some conditions. Check the lifetime free credit cards offered by HDFC below & the required conditions to waive off renewal fees:
HDFC UPI Rupay Credit Card
How to make it Lifetime FREE
Spend ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards
Features
- 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month).
- 2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month).
- 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories) (Maximum of 500 Points can be earned in a calendar month)
Fees & Charges
Joining/Renewal Membership Fee – ₹250/- + Applicable Taxes
MoneyBack + Credit Card
How to make it Lifetime FREE
Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Features
- 10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
- 5X CashPoints on EMI spends at merchant locations
- 2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )
- Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
- Upto 20% discount on partner restaurants via Swiggy Dineout
Eligibility
- HDFC Bank MoneyBack+ Credit Card Eligibility:
- Salaried
- Self Employed
- Indian nationality. Age: Min 21 yrs. & Max 60 Yrs.,
- Income: Gross Monthly Income> ₹20,000
- Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
Fees & Charges
- Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
Freedom Credit Card
How to make it Lifetime FREE
Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Features
- 10X CashPoints on your favourite merchants – Big Basket, BookMyshow, OYO, Swiggy & Uber (Maximum of 2,500 CashPoints can be earned in a calendar month).
- 5X CashPoints on EMI spends at merchant locations ( Maximum of 2,500 CashPoints can be earned in a calendar month).
- 1 CashPoint for every Rs.150 on other spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases).
- Lower interest rate of 0.99% on for first 90 days on non-EMI spends from card issuance date. ( Not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, Balance transfer or Cash transactions).
- Upto 20% discount on partner restaurants via Swiggy Dineout.
Eligibility
For Salaried individuals:
- Indian nationality. Age: Min 21 yrs. & Max 60 Yrs.,
- Income: Gross Monthly Income> ₹12,000
For Self Employed Individuals:
- Indian nationality.
- Age: Min 21 yrs. & Max 65 Yrs.
- Income: ITR > ₹6.0 Lakhs per annum
Fees & Charges
Joining/Renewal Membership Fee – ₹500/- + Applicable Taxes
HDFC Millenia Credit Card
How to make it Lifetime FREE
- Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.
- Do it every year to make it lifetime FREE.
Features
- 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions.
- ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.
- Upto 20% discount on partner restaurants via Swiggy Dineout.
- Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
- 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter)
Eligibility
For Salaried Individuals:
- Indian national
- Age: Min 21 yrs & Max 40 Yrs,
- Income: Gross Monthly Income> ₹35,000
Self Employed Individuals:
- Indian national
- Age: Min 21 yrs & Max 40 Yrs,
- Income: ITR > ₹6.0 Lakhs per annum
Fees & Charges
Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes.
HDFC Credit Card DAP Link
Directly Apply for HDFC lifetime free Credit card using our HDFC Credit Card DAP link below. Fill in the details & we will contact you and help you get the credit card of your choice, Superfast.
HDFC Credit Card Cash Withdrawl Charges
All HDFC Business Loan fees & Charges that you need to know, before getting your HDFC lifetime free credit card, including preclosure charges are mentioned below.
- Cash advance fee: It ranges from 2.5% to 3% of the transaction amount, subject to a minimum amount of Rs 250 to Rs 500 and is reflected in the billing statement.
- Interest: 1.99% to 3.5% per month. Note that for cash withdrawals, there’s no interest-free period; charges start accruing from the day of the transaction till it’s paid in full.
- ATM fee: As a Credit Card user, you are allowed up to 5 free ATM transactions per month, depending on the location. Beyond this limit, you are charged ATM maintenance fee. Until recently, the fee was Rs 15 per cash withdrawal. However, starting 1st August, the RBI has revised it to Rs 17 per withdrawal. In case of non-cash transactions, the fee has been raised from Rs 5 to Rs 6. Both amounts are exclusive of taxes. The fee will be charged to your Credit Card and appear on your Credit Card statement.
*The facts and figures provided above are indicative and liable to change periodically.
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HDFC Credit Card IFSC Code
The IFSC code for HDFC Bank credit card payments, whether it’s for HDFC lifetime free credit card or normal credit cards, is the same as the IFSC code for HDFC Bank. It is an 11-digit alphanumeric key used for paying the outstanding credit card bill through online banking using National Electronic Funds Transfer (NEFT). This can be done by adding the credit card as a beneficiary. The HDFC credit card IFSC code is HDFC0000128
Why Choose Arena Fincorp for HDFC Credit Cards?
- We’ll Help You Choose The Best Credit Card For Your Needs.
- Get Credit Cards From Almost All Major Banks.
- We’ll Do The Work For You So That You Can Relax & Focus On More Important Things.
- Get Exciting Rewards & Cashback Offers
- We’ll make it much easier for you to get your HDFC lifetime free credit card!
I'm really happy that I chose Arena Fincorp for my financial needs. I got approval of credit card with their help within 48 hours!
I'm 21. Recently Graduated. I don't have much experience with banks. Arena Fincorp's staff gave hand-holding support in getting HDFC Credit Card. Because that's where my salary account is. They helped me learn so much about credit card. I'd recommend them to everyone 10/10.
Received Quality service. I just needed to provide my documents and they processed my credit card application superfast! I must say it's much more efficient than applying for credit card from HDFC on your own.
Kudos to these folks. Getting my credit card was superfast! Never experienced a credit card process this fast to be honest. Good job!
HDFC Credit Card FAQs
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How do I apply for HDFC credit card?
To apply for HDFC credit card, you can get in touch with us by calling us on +91 9251647949 Or by emailing us at info@arenafincorp.com
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How would I know which credit card is best for me?
You can rest assured, we have ties with almost all major banks in India. We can help you select & apply for the best credit card for your personal or financial goals.
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Can i pay off my credit card debt early?
Yes, unlike some loans, there are no penalties if you wish to clear your balance early.
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How much renewal fees do credit cards charge annually?
Different credit cards have different annual renewal fee rates. But keep in mind that you're not always required to pay annual renewal fees, especially when you achieve the specified criteria to waive off your annual renewal fees. To know more about waiving off the renewal fees for some of the best HDFC credit cards, please scoll to the topmost section of the page and read the section 'HDFC Lifetime Free Credit Cards'.
