HDFC Bank Credit Card Lifetime Free Conversion Conditions 2022

[TechnoFinoTechnoFino is verified member.]

HDFC Bank recently updated their terms and conditions for converting a credit card to a lifetime free credit card.
According to the new conditions, we get 3 options (for maximum cards) for converting a credit card to a lifetime free card.

Credit Card	Annual Fees	LIFETIME FREE (You've to fulfil any one of the condition within first 90 days of card issuance)
CSC Small Business Moneyback	Rs. 250+GST	Spend Rs. 20,000
IndianOil / Freedom / MoneyBack / MoneyBack + / Business MoneyBack / Indigo-6E Rewards	Rs. 500+GST; Indigo 6E Rewards- Rs. 700+GST	Spend Rs. 30,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)
Millennia	Rs. 1000+GST	Spend Rs. 50,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)
Diners Privilege / Regalia / Business Regalia / Indigo-6E Rewards XL	Rs. 2500+GST	Spend Rs. 1,00,000 / Apply for an Add on card / Balance Transfer (Min INR 10K transaction)

Balance Transfer- Moving outstanding debt on one credit card to another card— is a balance transfer.
You can't convert HDFC Infinia & DCB credit cards lifetime free using the above methods.

SmartPay LTF option is no longer available for new registration, but bank can offer SmartPay option to selected customers, check your application form for available offers while applying for a new credit card.
*Upgraded credit cards are also eligible.

 

[Batmanbaba]

I applied today for Millennia as my first HDFC credit card in my branch but I am not offered any LTF instead they showed me that I have Regalia as LTF offer if I apply online but then as I am interested in Millennia only. They took my physical application. The person who took my application said if I was not having any relationship with HDFC ( I have standard relationship, saving account) then I would have got Millennia LTF card. Do you people think there is still any chance for me to get this as LTF? Can I ask when verification call come to me to make this LTF?

I can see equitas and shoppers shop card as ltf in my offers........in shoppers stop... Its written limited period ltf offer going...

 

[panu24]

When I checked online I am offered Regalia, Diners Club, 6E XL rewards Indigo based on just my mobile no and PAN no. Out of them only checked Regalia which is saying LTF. Not interested in other cards so did not check it.

 

[ltf4ever]

do all priority pass on hdfc cc offer access to the same lounges? or does it depend on cc variant?

between regalia pp and diners, which one offers more coverage of international lounge access?

 

[hariselio]

Regalia which is saying LTF.

can you share screenshot of where it mentions LTF?

In my wife's account(already having regalia addon card), there is a pre-approved offer for business regalia with 3L limit, but no where i could see as LTF. It does show some conditional LTF like spending some X amount in 90 days or so. But the home branch people called and said, its LTF offer without any conditions.

 

[ltf4ever]

can you share screenshot of where it mentions LTF?

In my wife's account(already having regalia addon card), there is a pre-approved offer for business regalia with 3L limit, but no where i could see as LTF. It does show some conditional LTF like spending some X amount in 90 days or so. But the home branch people called and said, its LTF offer without any conditions.

saying from my personal experience: never trust what they say over phone. if you want to confirm, ask them to send an email clearly mentioning that the card is unconditional ltf, just like they said over phone. they will not send an email and if they do, it will be having unclear content that leaves an opportunity for them to deny their claims in future.

 

[panu24]

Here it is where it says LTF



but it also said so I got confused as it looks like kind of conditional LTF ? so did not apply it.

 

[hariselio]

it looks like kind of conditional LTF

Exactly this is what i also see, so decided not to go ahead.

saying from my personal experience: never trust what they say over phone.

Yes, thats why i was not interested in this card .

 

[AllSeeker]

Here it is where it says LTF
View attachment 5784


but it also said so I got confused as it looks like kind of conditional LTF ? so did not apply it.

View attachment 5785

I think second image is just common for all, that LTF offer should be real and you should certainly apply.

Keep that first image somewhere stored where you can get it later like google drive or something, it will come in handy if they try to pull any tricks.

 

[heyNitin]

I received Moneyback CC on 18th April though I had applied for Millenia. So I mailed at grievance.redressalcc@hdfcbank.com regarding the same. They upgraded to Millenia, and I received it on 11th May.

I had done ₹20K spends on Moneyback, those were transferred to Millenia automatically. After receiving the card I did around ₹35K spends (including Rent payment and offline spend). I called CC after this, but they told me I need to spend 3 lakhs in 90 days to make it LTF. I was pissed off after hearing this As I was shown 50K spend in 90 days criteria while applying. I replied back to the same ID attaching screenshot of the above spend criteria which I was shown while applying. After 2 days got a reply that my card has been converted to LTF. I confirmed the same with customer care on call.

Hey, what exactly do we have to write in the email and what details do I have to mention? just customer id? I too have had moneyback for a year and recently got upgraded to moneyback +, I want millennia.

 

[blacktiger]

I can see equitas and shoppers shop card as ltf in my offers........in shoppers stop... Its written limited period ltf offer going...

hi, did u apply for any cards? for me to it showed both as LTF

 

[Batmanbaba]

hi, did u apply for any cards? for me to it showed both as LTF

I applied for tata neu card... Got it approved... But applied through tata neu app.. It was also showing for me in netbanking....
If u want cobranded card then tata neu is a better option... 1 lakh fees reversal can be spent easily and first year year fees is given back as neu coin which u can use to do purchase on tata neu app

 

[jonmarvel]

Can HDFC TATA Neu Plus Credit Card (Rupay Variant) be converted into LTF? using Spend Based/Smart Pay/Add-On Card criteria.

 

[CMGCMG is verified member.]

Can HDFC TATA Neu Plus Credit Card (Rupay Variant) be converted into LTF? using Spend Based/Smart Pay/Add-On Card criteria.

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

 

[jonmarvel]

Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

Thanks for the info. Apart from the Annual Fee Waiver condition, can I convert it into LTF? For Example, as mentioned at the top, if you spend 50K in the First 90 days for Millennia CC, it can be converted into LTF or by adding a biller to Smart Pay or by applying for an Add-on card.

 

[Batmanbaba]

Thanks for the info. Apart from the Annual Fee Waiver condition, can I convert it into LTF? For Example, as mentioned at the top, if you spend 50K in the First 90 days for Millennia CC, it can be converted into LTF or by adding a biller to Smart Pay or by applying for an Add-on card.

These things not valid for any co-branded cards

 

[Venky]

Enquired to “customerservices.cards@hdfcbank.com” regarding converting my Regalia to LTF. This was the response. Seems like it the retail spends of ₹1,00,000 in 90 days is enough to make it LTF and can also use SmartPay

 

[jonmarvel]

These things not valid for any co-branded cards

Ok but in the Form Indian Oil, Indigo 6E Rewards cards also mentioned which are Co-branded Cards. So any idea !!!

 

[Batmanbaba]

Ok but in the Form Indian Oil, Indigo 6E Rewards cards also mentioned which are Co-branded Cards. So any idea !!!

Indigo one is smetimes given as ltf...

 

[mangesh]

How can I check if my Regalia card has been converted to LTF or not?

 

[Venky]

How can I check if my Regalia card has been converted to LTF or not?

Contact the grievance cell at Grievance.Redressalcc@hdfcbank.com they can confirm whether the card issued to you was LTF/FYF