Best HDFC Lifetime Free Credit Cards 2024

HDFC Bank offers many credit cards, which have been helpful for millions of users in India. But, a rather popular category of credit cards is lifetime free credit cards, which can be obtained at no joining or annual fee. The best credit cards for beginners are always the lifetime free ones, which is why, lately, HDFC lifetime free credit cards have been very popular. So, if you too are looking for the best HDFC lifetime free credit card, we have a list that will surely pique your interest. This list contains all the lifetime free credit cards from HDFC, or those CCs that can be made lifetime free by meeting certain requirements. 

HDFC Lifetime Free Credit Cards come with no extra charges, but they do not compromise your credit card's benefits, that’s what makes them so good. Though there are some credit cards that do have their joining fee and annual fee too, that can be waived off if the user spends a said amount in a fixed time period. Such credit cards also fall under the lifetime free category. So today, we will talk about all such HDFC Lifetime free Credit Cards that would help to make your lifestyle better while also rewarding you with great benefits.

All HDFC credit cards that are mentioned in the above table are not 100% lifetime free. They do come with some annual and joining charges that can be waived off by spending a certain minimum amount in a year or quarter by the user. Make sure you check out the details given below:

• HDFC Shoppers Stop Credit Card: Completely Lifetime Free.

• HDFC Freedom Credit Card: Get your renewal fee waived off by spending ₹50,000 or more in a year.

• HDFC Business Freedom Credit Card: Spend ₹20,000 in a year and get next year’s membership for free.

• HDFC Business Gold Credit Card: Get an annual fee waiver for the next year by spending ₹50,000 in the current year.

• HDFC Platinum Edge Credit Card: Renew your membership by spending ₹50,000 in a year.

• HDFC Solitaire Credit Card: Spend ₹50,000 or more in a year to get a waiver of next year’s annual fee.

• HDFC Superia Airline Credit Card: Get the first year’s membership free by spending ₹15,000 or more within the first 90 days of getting the card. Spend ₹75,000 in a year to get your annual fee waived off for the following years.

• HDFC Teachers Platinum Credit Card: Spend ₹ 50,000 annually and get the next year’s annual fee waiver.

• HDFC Titanium Edge Credit Card: Renew your membership for free by spending ₹50,000 in a year.

• HDFC World MasterCard: Spend ₹15,000 within the first 90 days and get the first year’s annual fee waived off. Then, spend ₹75,000 in a year to renew your membership for free.

All the HDFC credit cards that we have mentioned in the above table are either completely lifetime free, or their annual fees can be waived off by spending a said amount within a year. This is the reason why we have included these cards in the category of HDFC lifetime free credit cards. Now that we are done with our table, let’s take a look at the best cards individually and understand what they have to offer.

The best HDFC Lifetime free credit cards that we will be talking about in detail today are:

• HDFC TATA Neu Plus Lifetime Free Credit Card

• HDFC VISA Signature Lifetime Free Credit Card

• Paytm HDFC Bank Credit Card

• HDFC MoneyBack+ Lifetime Free Credit Card

• HDFC All Miles Credit Card

• HDFC Diners Club Rewardz Credit Card

The TATA Neu Plus HDFC lifetime free credit card is one of the best cards for anyone who is looking for high reward points. And, if you are worried about its fee, rest easy as the TATA Neu Plus credit card is available at zero joining fee for a limited period offer! If you apply for this HDFC lifetime free credit card today, you won’t have to worry about its ₹499 worth joining fee. Now, let’s talk about the benefits that it comes with:

Here are all the benefits of the TATA Neu Plus HDFC credit card:

• 7% NeuCoins rewards on TATA Neu

• 2% NeuCoins rewards at partner TATA brands

• 2% NeuCoins rewards on every bill payment via TATA Neu.

• 1% NeuCoins rewards on other spends

• 4 complimentary domestic airport lounge access per annum

• 1% reward points on all UPI spends (only RuPay Cards)

• 1% Fuel surcharge waiver

• Up to 50 days of an interest-free period

The HDFC lifetime free credit card, TATA Neu Plus can be availed without paying any joining fee as a limited-period offer. This might be the perfect opportunity for you to grab this amazing credit card from HDFC Bank. You can check out all details of the HDFC Bank TATA Neu Plus credit card below:

• Joining fee: ₹0 (for a limited time only)

• Annual fee: ₹499 + GST

• Annual Fee Waiver: Spend ₹1 lakh or more in a year to waive off the renewal fee

Here are the requirements to be eligible for the TATA Neu Plus HDFC Lifetime Free Credit Card:

For salaried Indians-

• The minimum age is 21 years and the maximum age is 60 years.

• Net monthly income should be more than ₹25,000.

For Self Employed Indians-

• The minimum age is 21 years and the maximum age is 65 years.

• The Income Tax Return should be more than Rs 6 lakh per annum.

Make sure to Apply for the TATA Neu Plus HDFC Lifetime Free Credit Card if it is up to your liking. You can also check out this credit card on TATA Digital.

Payment Network: Rupay and VISA

The VISA Signature HDFC Lifetime Free Credit Card is a great option for anyone looking for a credit card for travel benefits. It comes with lounge access to over 600 global airports, which makes it one of the Best Lifetime Free Cards with Lounge Access too. This lifetime free credit card from HDFC bank also comes with a Priority Pass worth ₹8,300, which is an added benefit. So, let’s take a look at the benefits of this HDFC bank lifetime free credit card:

Here are the benefits of the HDFC VISA Signature credit card:

• Lounge access to over 600 global airports

• Get two reward points for every ₹150 that you spend

• Get a complimentary priority pass worth ₹8,300 for free

• Get 50 days of an interest-free credit period

The VISA Signature HDFC Lifetime Free Credit Card actually comes with an annual fee too, which can be waived off if you spend a said amount in a given period of time. Here are the details:

• You can get your first year’s membership for free by spending ₹15,000 within the first 90 days.

• Get your membership renewed for free by spending ₹75,000 in a year.

• The joining/annual fee of the HDFC VISA Signature credit card may vary from user to user. So make sure you ask your bank before applying for this credit card. If you’re an old customer of HDFC Bank, there’s a high chance that you can get this credit card as a completely lifetime free credit card.

Here are the requirements to apply for an HDFC VISA Signature credit card:

For salaried Indians-

• The minimum age is 21 years and the maximum age is 60 years.

For Self Employed Indians-

• The minimum age is 21 years and the maximum age is 65 years.

Take a look at the HDFC VISA Signature Lifetime Free credit card and get it now if free airport lounge access is what you are looking for.

Payment Network: VISA

The Paytm HDFC lifetime free credit card is the best CC for new users. If you have never had any credit cards and want to use one now, this credit card from Paytm and HDFC would be just perfect for you. Not only does it offer great benefits, but it also comes with a very low annual fee that too can be waived off very easily. This makes it a suitable credit card for students too. The main reason why the Paytm HDFC lifetime free credit card is so good is because of the huge cashback it offers, which is great for online and offline shopping too.

Given below are all the benefits that you can get with the Paytm HDFC credit card:

• 3% cashback on all purchases done on the Paytm app including recharge, utility bill payment, movies, mini app, etc. The maximum cashback limit per month is ₹500.

• 2% cash back on all other Select Paytm Spends. The maximum cashback limit per month is ₹500.

• 1% cash back on all other retail spends. The maximum amount of cashback that you can get every month is ₹1,000.

• 1% fuel surcharge waiver on minimum transactions of ₹400 and maximum transactions of ₹5,000. The maximum waiver amount per billing cycle would be ₹250.

• Free Paytm First Membership

• 1% cashback if you spend ₹10,000 every month, excluding EMI, wallet, and rental expenses. Also, the maximum cashback limit is ₹100 per month.

• Up to 20% discount on partner restaurants if you use your Paytm HDFC Credit Card.

As explained above, the Paytm HDFC LTF credit card comes with an annual fee of ₹499 + GST. This fee is nothing in comparison to the benefits that this card comes with. But even then, you can get this HDFC credit card as lifetime free if you:

• Spend Rs. 30,000 in the first 90 days to get the first year’s fee waived off.

• Spend Rs. 50,000 in 12 months to get your next year’s annual fee waived off.

Didn’t we say that the Paytm HDFC credit card is the best card for all beginners? Well, its easy eligibility criteria make it more concrete. To get a Paytm HDFC Bank Lifetime Free Credit Card, you just need to be at least 18 years old and that’s pretty much it. You do not need to have a high monthly income to get this credit card, which is a great help.

Considering all the benefits, fees, and eligibility criteria, it won’t be wrong to say that the Paytm HDFC Lifetime Free Credit Card is the best LTF CC from HDFC. You can apply for it either on HDFC Bank’s Official Website or on Paytm.

Payment Network: VISA

The MoneyBack+ credit card is the most common CC that almost all HDFC bank customers can get. This is usually a pre-approved credit card from HDFC and getting it is really easy for most users. Also, the MoneyBack+ HDFC lifetime free credit card is high on CashPoints and a very rewarding card for anyone who shops a lot. Though it comes with some joining and annual fees, getting them waived off is quite easy too.

The HDFC MoneyBack+ credit card comes with many benefits and is probably among the best HDFC credit cards. Let’s find out what these features and benefits are:

• 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart, SuperStore & Swiggy.

• 5X CashPoints on EMI spends at merchant stores.

• 2 CashPoints per ₹150 on other expenses.

• ₹500 worth of a gift voucher if you spend ₹50,000 per quarter.

• Up to 20% discount on partner restaurants via Swiggy Dineout.

• Up to 50 days of an interest-free period.

• 1% fuel surcharge waiver on minimum transactions of ₹400 and maximum transactions of ₹5,000. The maximum waiver amount per billing cycle would be ₹250.

• Welcome Benefit of 500 CashPoints.

Here are the fee structure and fee waiver conditions of the HDFC MoneyBack+ credit card:

• Joining Fee: ₹500 + Taxes.

• Renewal Fee: ₹500 + Taxes

• Get your renewal fee waived off by spending ₹50,000 or more.

Here are the conditions that you need to meet to apply for a MoneyBack+ HDFC Lifetime Free credit card:

For salaried Indians-

• The minimum age is 21 years and the maximum age is 60 years.

• Net monthly income should be more than ₹20,000.

For Self Employed Indians-

• The minimum age is 21 years and the maximum age is 65 years.

• The Income Tax Return should be more than Rs 6 lakh per annum.

This is everything you need to know about the MoneyBack+ LTF credit card from HDFC bank. You can apply for this credit card here.

Payment Network: Rupay and VISA

Do not believe the name, the HDFC All Miles credit card doesn’t come with travel benefits. Instead, this credit card is a high reward points credit card that makes shopping rewarding for you in many ways. Let’s take a look at the benefits of this HDFC Lifetime free credit card and help you understand it better.

Here are all the benefits that the HDFC All Miles credit card comes with:

• 3 reward points for every ₹150 that you spend

• 2x reward points for hotel bookings, mobile recharge, and shopping.

• 1% fuel surcharge waiver on minimum transactions of ₹400. The maximum waiver amount per billing cycle would be ₹500.

• Zero liability on a lost card after reporting the loss.

• Get 50 days of an interest-free credit period

The All Miles credit card from HDFC Bank can be availed as a lifetime free credit card by meeting certain criteria. Let’s discuss this criterion right here:

• Get the first year’s membership fee waived off by spending ₹15,000 within the first 90 days.

• Renew your membership for free by spending ₹1,00,000 in a year.

Here are the requirements that one needs to meet in order to get an HDFC All Miles Credit Card:

For salaried Indians-

• The minimum age is 21 years and the maximum age is 60 years.

For Self Employed Indians-

• The minimum age is 21 years and the maximum age is 65 years.

For more details about the HDFC All Miles LTF credit card and to apply for it, you can visit the HDFC Bank site or the nearest branch. 

Payment Network: VISA

The HDFC Diners Club Rewardz Lifetime Free credit card is a great combination of reward points and dining benefits, which makes it a very appealing option for many. A card that offers 1000 reward points as a joining gift and another 1000 reward points on a renewal is more than just good, isn’t it? Although this credit card too comes with an annual fee, you can get this as your first HDFC lifetime free credit card too, which would work well for you.

Here are the benefits that all HDFC Diners Club Rewardz credit card users enjoy:

• Welcome gift of 1000 points

• Renewal gift of 1000 points

• Get 3 reward points for every ₹150 that you spend

• Get up to 5% cash back for spends via SmartBuy

Here are the fee and fee waiver conditions of this Lifetime free credit card from HDFC Bank:

• First-year fee: ₹1000 + taxes

• Renewal fee: ₹1000 + taxes

• Fee waiver: Spend ₹1,00,000 or more in 12 months to get an annual fee waiver

Here are the requirements for you to be eligible for a Diners Club Rewardz credit card:

For salaried Indians-

• The minimum age is 21 years and the maximum age is 60 years.

• Net monthly income should be more than ₹30,000.

For Self Employed Indians-

• The minimum age is 21 years and the maximum age is 65 years.

• The Income Tax Return should be more than Rs 3.6 lakh per annum.

You can apply for the HDFC Diners Club Rewardz Credit Card now if it suits your needs.

These are the best HDFC Lifetime Free Credit Cards that the bank has to offer as of now. Although all these cards do come with some joining or annual fees, those charges can be waived off even by using those cards for day-to-day expenses. This is why we included them on our list of HDFC Bank Lifetime free credit cards. Do let us know which of these LTF CCs is the best in your opinion and/or if you are using any of these cards.

Moreover, feel free to ask any questions that you may have regarding these HDFC bank credit cards or, you may give some useful suggestions for anyone who is not-so-experienced in these matters.