HDFC LTF Credit Card Offer Adds 4 New Cards: Which to Choose?

HDFC, India’s largest private sector bank is now offering life-time free credit card offer on 4 more new cards including Millenia, Diners Club Privilege, BizGrow, Pixel Play apart from the existing HDFC LTF Credit Cards offers on Swiggy HDFC, Moneyback Plus, Regalia Gold, Freedom & others. If you do not own SBI Cashback Credit Card, HDFC Millenia can be a great LTF HDFC Card to have as it offers 5% cashback on Amazon, Flipkart, Zomato & more.

In this article, we are sharing what new credit cards are added to HDFC LTF card offer and which one you should apply. Note that this HDFC LTF Credit Card offer is for limited-time only.

HDFC is offering some of its best credit cards as lifetime free till 16th January 2025.

HDFC Credit Cards offered as LTF for limited time only include:

• HDFC Pixel Play Credit Card

• HDFC Millenia Credit Card

• HDFC Diners Club Privilege Credit Card

• HDFC BizGrow Credit Card'

Apart from these, existing LTF Card Offers include:

• Swiggy HDFC Credit Card

• Tata Neu HDFC Credit Cards (Plus & Infinity)

• Pixel Go Credit Card

• Regalia Gold Credit Card

Customers can visit HDFC LTF Credit Cards page to apply for their choice of card before 16th January 2025. But wait, which HDFC LTF Credit Card should you apply for? Is HDFC Millenia better? Or the HDFC Pixel Play card that gives 1% cashback on UPI spends? Let’s find out below.

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Since all of these 4 cards are now being offered as LTF for a limited time, let’s square out their annual fees & joining fees since that you anyways need not pay for now. Let’s focus on the key benefits these cards offer and find out which is the best HDFC LTF Credit Card to apply right now.

As you can see HDFC Millenia offers 5% cashback benefit on Amazon, Flipkart, Myntra, Swiggy, Zomato, Tata Cliq, Uber, SonyLiv etc capped at ₹1000 per month which is a pretty good deal. This single benefit alone makes HDFC Millenia as LTF a solid deal to grab.

Read the full T&C of HDFC Millenia Credit Card

While this benefit is pretty sweet, cardholders can also get a 6.5% cashback reward rate on Swiggy & Zomato. You get 5X or 20 reward points for every ₹150 spent (0.13 reward point per ₹1 spent). The value of 1 reward point is equal to ₹0.50 on redeeming against the Dining Catalogue. Hence, on an order of ₹200 on Swiggy/Zomato, you can earn 26 reward points which equals to ₹13 cashback >> a 6.5% reward rate.

Another major benefit of Diners Club credit card is you can get 2 free lounge access per quarter (on spend of ₹15,000 in previous quarter)

But if you are not someone who travels a lot, you might want to ditch the Diners Club Privilege HDFC LTF Card offer as other cards can offer you better rewards.

Read the full terms & conditions HDFC Diners Club Privilege Card

On a sidenote, consider checking out our latest credit card offers page to know the rewards. Fees, eligibility criteria & other key details of popular LTF Credit Cards right now.✔️✔️

Now, let's talk about the Pixel Play Credit Card, the only LTF HDFC Card that offers 1% cashback on UPI spends from the above mentioned four cards.

It’s a decent card, nothing fancy and nothing much to talk home about. The major benefit is of course the 1% UPI cashback reward capped at 500 points per month and another being the 5% cashback on any 2 merchants (Nykaa, Croma, Blinkit, Reliance Bazar, Myntra, MakeMyTrip, etc) capped at 500 points per month.

But there are 2 catches here in the HDFC Pixel Play Credit Card:

• 1st Catch: Cashback will be received in the form of CashPoints which will be calculated at the lowest integer.

For example, If you spend ₹230 on a 5% cashback category then 230*5% = 11.5 CashPoints = 11 CashPoints (rounded down towards the lowest integer). Fractional CashPoints will not get accrued. This is also the case of UPI transactions cashback.

• 2nd Catch: HDFC Pixel Play Credit Card is notorious for needing to transfer the limit from your existing HDFC credit card to the Pixel Play Credit Card. Several users have complained that this is irreversible! Even if you close the Pixel Play card in future, your limit will not be transferred (ideally it should but there seems to be a technical difficulty at the moment. Confirm once with the customer care before applying)

Read the full T&C of HDFC Pixel Play Credit Card

Lastly, coming to the HDFC BizGrow Credit Card, it’s a business card that offers 10X cashpoints on tax payments, GST payments, Cleartax, Dmart, etc. However, note that the cashpoint value is pretty low here, ranging from ₹0.25 to ₹0.30. Moreover, note that since this is a business card, it might not be accepted on Flipkart & Amazon. Do note that your ITR needs to be above 6L to be eligible for the HDFC LTF Credit Card Offer on BizGrow. You might want to see if you can get the HDFC BizBlack or BizPower which offer slightly higher value than BizGrow.

Read the HDFC BizGrow Cashpoints T&C

Courtesy & thanks to our dimer @shivam11 for sharing this thread with us: HDFC LTF Offers🔥

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