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.

 

[mangesh]

Thanks, I’ll do that. I did pay the first year fees. And I’m pretty sure I’ve made more than 1L spends in 90 days after issuance. After the devaluations, there is absolutely no way I’m going to be paying renewal fees, hence I want to make it LTF.

 

[Venky]

I just got upgraded to DCB, if I spend 2-3 lakh in first 30 days then will i be able to get LTF DCB?

No such waiver for DCB I am afraid. As you might know you need 5 lakhs spends for a annual fee waiver and you’ll have to be an alumni of one of their listed institutions for getting it LTF.

 

[Slayer]

I don’t have a degree from those colleges but i did an internship from one of those college, will it be applicable?

No

 

[AsB]

Is the offer still available ?

 

[0xfallup]

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.

is this offer still active ...can anyone confirm please 🙁

 

[srikant]

Does this still apply?

I have a MoneyBack - I've been withholding upgrade to Millenia because it has 1L annual spend for fee waiver. But if I can make it LTF (without minimum spend needs) by getting an add-on or spending big in one particular 90-day window, that should be doable.

 

[shubhamrai]

is this offer still active ...can anyone confirm please 🙁

+1

 

[Rajan016]

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.

What if I add money 30k from money back plus credit card within 90 days to any wallet.Will this card be free for my life time?

 

[heyNitin]

Hey. I've recently been upgraded from moneyback plus to millenia. RM told me if I spend 50k in 90 days, it'd be ltf. Does paytm wallet loading counts? If not, is there any other such ways (hacks)?

 

[PavanPavan is verified member.]

Hey. I've recently been upgraded from moneyback plus to millenia. RM told me if I spend 50k in 90 days, it'd be ltf. Does paytm wallet loading counts? If not, is there any other such ways (hacks)?

As far as i know HDFC removed spend based waver for LTF card since 2022 october
This assurance might be false

 

[heyNitin]

;-)

 

[heyNitin]

As far as i know HDFC removed spend based waver for LTF card since 2022 october
This assurance might be false

Okay, would confirm once on monday, What are the ways (best ) to get it converted to LTF which are working rn? I can get upgraded to classic banking btw, does that help?

 

[Batmanbaba]

As far as i know HDFC removed spend based waver for LTF card since 2022 october
This assurance might be false

smartpay is still active I guess......i have done mine that way in dec 2022

 

[PavanPavan is verified member.]

smartpay is still active I guess......i have done mine that way in dec 2022

Smartpay only for selected cards ..but spend based they have removed baba

 

[heyNitin]

for smart pay, I've to add a biller on autopay, right?

1) is there a limit like my card was issued on August 1st, and I've already paid all utility bills for this month, can I just add a bill now but the bill would be generated next month, does it work?
2) Also, do we need to keep it on forever or for 3 to 6 months?
3) How would I know that my card is LTF now?
4) Assuming I'd have to pay the fee for this year as it'd be levied in the first bill generation?


Thanks in advance

 

[CardTox]

Regalia gold can be ltf or no?

 

[Batmanbaba]

for smart pay, I've to add a biller on autopay, right?

1) is there a limit like my card was issued on August 1st, and I've already paid all utility bills for this month, can I just add a bill now but the bill would be generated next month, does it work?
2) Also, do we need to keep it on forever or for 3 to 6 months?
3) How would I know that my card is LTF now?
4) Assuming I'd have to pay the fee for this year as it'd be levied in the first bill generation?


Thanks in advance

u have to add within 90 days of card issuance...keep it for atleast 90 days after u add...after 90 days of adding smartpay...mail to customer care to see if ur card has been converted to ltf...if not they will do it....u can keep forever but many people have reported the card to be ltf even after they removed smartpay...but keep it till ur card gets converted to ltf.......hdfc levies fees in 3rd statement.....

 

[heyNitin]

Just got this notification in HDFC Bank's App, looks like LTF based on spending is back

 

[Piyush_Jaiswal]

Just got this notification in HDFC Bank's App, looks like LTF based on spending is back

Yes, spend based offer is still there but only for select customers. I got Millenia under spend based LTF offer on Feb 2023. It is LTF now, confirmed with bank.

I have seen such offers even in June/July for some users.

Does paytm wallet loading counts?

Yes, wallet reload counts.

 

[Piyush_Jaiswal]

Just got this notification in HDFC Bank's App, looks like LTF based on spending is back

keep these notifications as proof.