HDFC Bank and Canara Bank Credit Cards

[sherlock]

I am interested in applying for credit cards in HDFC bank as well as Canara Bank to avail some online shopping offers. I am interested only in lifetime free cards, though I am willing to a pay a one time joining fee if required.

The HDFC Bank advertises so much about lifetime free cards with no conditions applied. But I always end up finding minimum quarterly spends or minimum annual spends to waive off the annual charges. Is there a true HDFC lifetime free credit card?

For Canara Bank, I found all of their credit cards are lifetime free. However, the portal is asking me to write a Canara Bank account number to apply for the credit card. Is savings account or fixed deposits account necessary to apply for Canara Bank credit card?

 

[Trust Me]

I believe it's 365 days of no transaction.

Counted from any day of the year?

 

[sjmajumder]

Counted from any day of the year?

from your last transaction

 

[sherlock]

I have HDFC Regalia and Tata Neu Infinity both unconditional LTF


None of their cards are lifetime free. It's just that Canara Bank Marketing department is smarter than HDFC marketing department. All their cards have an Inactivity Fee - which in other words is an annual minimum spend criteria based charge. So, they don't waive your charges if you meet the spend criteria but instead they will charge you if you don't meet the spend criteria. Just a smart way of putting things.

How did you get HDFC Regalia and Tata Neu credit cards for free? Both of them have annual maintaining fees or minimum spend criteria to waive off the annual maintenance (or renewal) fees. Did they give you personalized offers?

Please refer this document:

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Manage%20Your%20Credit%20Cards%20PDFs/MITC%201.64.pdf

 

[sjmajumder]

How did you get HDFC Regalia and Tata Neu credit cards for free? Both of them have annual maintaining fees or minimum spend criteria to waive off the annual maintenance (or renewal) fees. Did they give you personalized offers?

Please refer this document:

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Manage%20Your%20Credit%20Cards%20PDFs/MITC%201.64.pdf

You are referring to official link. That way almost all cards (barring a few) are chargeable 😀