HDFC Bank Credit Card Lifetime Free Conversion Conditions 2022

[TechnoFino]

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.

 

[TechnoFino]

So, if I'm going with Millennia and have completed 50k transaction. Does it convert to LFT be default or i will have to raise a request?

Because I couldn't find anything related to this in HDFC website

if the card is new, it'll be done automatically. if the card was upgraded, then you have to email and request

 

[jack333]

The terms have changed this week @TechnoFino sir
Now they are giving LTF to all salaried or corporate employees with payslips. For non salaried apply C2C to get LTF. Now no need to get even an add on. No hassle of spend based LTF. Now all HDFC cards uptil regalia are LTF for new customers. Applicable for only offline method through branch. They won't entertain if you don't have a account

 

[yolofino]

The terms have changed this week @TechnoFino sir
Conditional or spend based LTF offer has ended because of new RBI guidelines. Now they are giving LTF to all salaried or corporate employees. For non salaried apply C2C to get LTF. Now no need to get even an add on

Any source for the info?

 

[Kamal]

The terms have changed this week @TechnoFino sir
Conditional or spend based LTF offer has ended because of new RBI guidelines. Now they are giving LTF to all salaried or corporate employees. For non salaried apply C2C to get LTF. Now no need to get even an add on

Yes, Yesterday I also got information from an agent that there is some change in the LTF offering. And he mentioned the same thing tagged above.
Will provide link if able to find anything.

 

[jack333]

Any source for the info?

Visited branch. New terms from this week only

 

[gurubhai]

Visited branch. New terms from this week only

Do you have any idea about salary limits?
Like for millenia LTF or regalia LTF what is the criteria?

 

[jack333]

Millenia 35k
Regalia 1 lakh

 

[jack333]

I've posted the new MID valid from 12 sep in which all credit cards upto regalia are LTF for everyone. Here's the link for my thread
Thread 'HDFC cards are LTF for everyone' https://www.technofino.in/community/threads/hdfc-cards-are-ltf-for-everyone.2906/

 

[Pikapi]

Adding your utility bills to autopay via SmartPay also qualifies as per a recent conversation with an HDFC branch employee. I don't have any source to back this up unfortunately.

Yes. I got this offer while appltimg for the privilege credit card

 

[hideaway]

Guys clarification needed for Regalia LTF.

I got the card delivered today. Applied from net banking as shown with offer. Offered DCP vs Regalia vs Indigo

1. While applying it was shown that spend 1Lakh within 90 days to make this LTF. (Regalia spent limit for LTF is 3L). So 1L criteria is new ?
2. Also there's a First year fee wavier active smartpay or Easyemi of min 10K

Why there is a FYF clause when they have given a LTF clause in first hand.

Really confused between their conditions.

@TechnoFino Pls advice.

Also RM has told me she will be able to lower the card to Millenia, after 20 days. Will that anything affect the LTF conditions?

 

[TechnoFino]

Guys clarification needed for Regalia LTF.

I got the card delivered today. Applied from net banking as shown with offer. Offered DCP vs Regalia vs Indigo

1. While applying it was shown that spend 1Lakh within 90 days to make this LTF. (Regalia spent limit for LTF is 3L). So 1L criteria is new ?
2. Also there's a First year fee wavier active smartpay or Easyemi of min 10K

Why there is a FYF clause when they have given a LTF clause in first hand.

Really confused between their conditions.

@TechnoFino Pls advice.

Also RM has told me she will be able to lower the card to Millenia, after 20 days. Will that anything affect the LTF conditions?

1L spend in 90 days was there from last few months... just spend 1L in 90 days and your card will become LTF

 

[hideaway]

1L spend in 90 days was there from last few months... just spend 1L in 90 days and your card will become LTF

Thanks for the clarification.

 

[hideaway]

Hi,

Is rent pay considered for spend criteria.?
Considering to spend 30K + 30K in 2 months.

 

[TechnoFino]

Hi,

Is rent pay considered for spend criteria.?
Considering to spend 30K + 30K in 2 months.

yes.

 

[Donut]

IF I add money to paytm wallet via Uber.....will that be considered in spend criteria for Life time Free Clause?

 

[shounakmulay]

I read in an article that from October 2022 HDFC has removed all the LifeTime Free conversion conditions and now only Shoppers Stop HDFC Credit Card is issued as lifetime free.

Is this true? Where can we verify this information?

 

[pratikjain4]

I read in an article that from October 2022 HDFC has removed all the LifeTime Free conversion conditions and now only Shoppers Stop HDFC Credit Card is issued as lifetime free.

Is this true? Where can we verify this information?

This is true. And you can test it out yourself. Some weeks ago , if you applied for hdfc card, it showed few ways how you can convert the offered card to LTF, but it does not show it anymore.

 

[prc1990]

I read in an article that from October 2022 HDFC has removed all the LifeTime Free conversion conditions and now only Shoppers Stop HDFC Credit Card is issued as lifetime free.

Is this true? Where can we verify this information?

I believe for the listed organizations, some of the cards are still LTF. I applied on 16th Sep offline with LTF pricing and got the card (Millennia on Diners Club) today.

 

[panu24]

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?

 

[SunnyM]

I read in an article that from October 2022 HDFC has removed all the LifeTime Free conversion conditions and now only Shoppers Stop HDFC Credit Card is issued as lifetime free.

Is this true? Where can we verify this information?

I was only offered pre approved HDFC BUSINESS MONEYBACK life time free with limit 125000. No other option. But people are being offered much better cards LTF as well . It depends on one's profile and relationship with the bank.