Lifetime Free Credit Cards: Pay Zero Joining/Annual Fees

​​​​​​​Eligibility Criteria to Apply for Lifetime Free Credit Cards

• Age: 21-65 years old 
• Citizenship: Indian national 
• Occupation: Salaried professional or self-employed 
  
  HDFC Bank evaluates your eligibility and credit limit for a Credit Card based on your annual income and credit score.
  

Features and Benefits of Lifetime Free Credit Cards 

• No Joining/Annual Fees 

HDFC Bank Lifetime Free Credit Cards come without joining or annual fees, offering you significant savings. 

• Reward Points/CashBack 

Earn Reward Points or CashBack on eligible transactions such as retail purchases, dining and online shopping. 

• Interest-Free Period 

Enjoy an interest-free credit period of 50-55 days from the purchase date. Manage your expenses efficiently while avoiding interest charges. 

• Smart EMI 

HDFC Bank offers a SmartEMI facility to convert large purchases into manageable monthly instalments.  

• Contactless Payments

You can enable the Tap and Pay feature via MyCards.  

• Milestone Benefits 

Avail milestone rewards upon meeting specific spending thresholds in a quarter or year. Benefits may include travel vouchers, shopping discounts or gift cards from partner brands. 

• Travel Benefit 

Complimentary lounge access for select cards (domestic and international) to enhance travel experiences. 

*HDFC Bank revises your credit limit based on your annual spends, card usage, and changing income. We also send invitations to upgrade your Credit Cards based on your usage.  

Documents Required to Apply for Lifetime Free Credit Cards 

• For Identity and Address Verification
  - Aadhaar Card  

- Indian Passport  

- Voter ID Card  

- PAN Card 

- Driving License  

• For Income Verification

- Your Permanent Account Number (PAN)  

- Salary slips  

- Income tax returns for the previous three years  

- Bank statements  

Things To Keep in Mind When You Choose a Lifetime Free Credit Card 

• Lifetime Free Validity  

Note that HDFC Bank offers Lifetime Free Credit Cards for a certain period. Ensure you apply during this period to avail of the joining/annual fee waiver. 

• No Welcome Benefits  

Lifetime Free Credit Cards may not include premium welcome benefits like vouchers or complimentary memberships since they are available only when you pay the joining fee. 

FAQs  

• What is a Lifetime Free Credit Card?

A Lifetime Free Credit Card is a Credit Card offered by banks that does not have joining or renewal fees. 

How is a Lifetime Free Credit Card different from regular Credit Cards? – Give H3 

A Lifetime Free Credit Card has zero annual or renewal fees, while regular Credit Cards typically charge these fees. Both offer similar features. 

• How to use an HDFC Bank Credit Card safely?

Keep your HDFC Bank Credit Card details private, enable transaction alerts and avoid public Wi-Fi for payments. You ought to regularly monitor statements and set spending limits. You can use MyCards to manage your HDFC Bank Credit Cards. 

• How to choose the right HDFC Bank Credit Card? 

Identify your financial goals, compare HDFC Bank Credit Cards based on benefits and ensure eligibility to select the right card for your needs. 

• Is an HDFC Bank Lifetime Free Credit Card accepted everywhere? 

HDFC Bank Lifetime Free Credit cards are globally accepted for online and offline transactions.  

• How to apply for an HDFC Bank Lifetime Free Credit Card? 

Visit HDFC Bank’s website to compare Lifetime Free Credit Card options, check eligibility and complete the application online.