How to procure HDFC Swiggy Credit Card Lifetime Free (LTF) ?? - Hit & Miss

[D₹V]

How to procure HDFC Swiggy Credit Card Lifetime Free (LTF) ??

Steps:

1. Apply Swiggy card (chargeable) from HDFC Portal via Cashkaro (1500₹ Amazon GV) or any other rewarding affiliate.

2. Once your card is delivered, don't activate/set PIN/add to netbanking.

3. On 27-30th day, you'll get call, he/she will offer you LTF offer & send a SMS to activate card via missed call 🤙 & keep it as lifetime free 🆓.



4. Since you have 30 days to activate the card, so no worries in trying this trick 😅.

5. Now email HDFC Bank & ask about LTF status. Boom 💥 your card is LTF now 🔥.

P.s. this is a hit & miss offer. You might or not get the LTF offer. So try only if you want it badly. Don't blame me later 🫠.

Thanks ❤️ to Rahul Diwan [from Fintalks] for letting us know the trick.

 

[raghu.rokda]

Jinko LTF mil gya - bohot accha card hai bhai, 10% cashback deta hai, maja aa gya.

Jinko cibil hit leke bhi card close karna pda - are ghanta card hai bc, 10% off to swiggy voucher se hi mil jata hai, mere dost ke pas magnus card hai, usse bol ke 15% off le lunga ( reality me dost phone bhi ni uthata hai 😁😁). HSBC Cashback credit card le lunga (people like me)

If LTF then HDFC rocks - world class bank hai bhai
If no LTF then HDFC sucks 😝😜🥳

 

[ankurjpr]

Received a call today evening from +911168238701 (HDFC Bank TeleAssist as per Truecaller), and was informed that this card will be converted to LTF if I activate it and do a minimum 1 transaction before 5 January 2024, I recorded the call, and made sure to make her aware that I am recording the call and will raise this if the card is not converted to LTF.
37 days period is ending on 5th Jan 24.

Activating it, and will escalate if not converted to LTF.

Grievance team refused to convert LTF thrice in this 37 days period, when asked every 10 days, tried asking politely, and threatning to close other cards, but was not converted to LTF.

 

[Pack_of_Cards]

Received a call today evening from +911168238701 (HDFC Bank TeleAssist as per Truecaller), and was informed that this card will be converted to LTF if I activate it and do a minimum 1 transaction before 5 January 2024, I recorded the call, and made sure to make her aware that I am recording the call and will raise this if the card is not converted to LTF.
37 days period is ending on 5th Jan 24.

Activating it, and will escalate if not converted to LTF.

Grievance team refused to convert LTF thrice in this 37 days period, when asked every 10 days, tried asking politely, and threating to close other cards, but was not converted to LTF.

HDFC hai bhai........... maan k chalo tumhara katne wala hai, yaha agent first time apply karne wale ko DCB and Infinia ka promise kar deta hai tumhara to bahut chota wada todna hai.

But jo bhi ho keep us posted. @D₹V tumhara thread hai mast ekdum, roz kuch naya mil hi jata hai. Wese HDFC k jyadatar thread me full backchodi.

 

[Chaitanya-a]

HDFC hai bhai........... maan k chalo tumhara katne wala hai, yaha agent first time apply karne wale ko DCB and Infinia ka promise kar deta hai tumhara to bahut chota wada todna hai.

But jo bhi ho keep us posted. @D₹V tumhara thread hai mast ekdum, roz kuch naya mil hi jata hai. Wese HDFC k jyadatar thread me full backchodi.

Agent alag hota hai. Uske promises se bank ka koi lena dena ni hota. Iss case me khud bank ke employee ne surity dia hai. Izzat ki baat hai isme. False promise ni karega bank official recorded line pe.

 

[Pack_of_Cards]

Agent alag hota hai. Uske promises se bank ka koi lena dena ni hota. Iss case me khud bank ke employee ne surity dia hai. Izzat ki baat hai isme. False promise ni karega bank official recorded line pe.

I hope aesa hi ho.

 

[abhiver]

You also check that do they give you welcome benefit (Swiggy One Membership) or not if they convert your card to LTF.

Because when they convert Tata neu to LTF for my friend, they didn't provided the welcome benefit

 

[VikasBhindwar]

Same, I have applied on 1st Jan & got approved on 2nd Jan.

Written to Escalation to make it LTF but they rejected. Haven't activated the card yet. Will try with Priority Redressel & Grievance Redressal else won't activate it.

Already holding LTF Millennia & Tata Neu Infinity

 

[ak95]

Received a call today evening from +911168238701 (HDFC Bank TeleAssist as per Truecaller), and was informed that this card will be converted to LTF if I activate it and do a minimum 1 transaction before 5 January 2024, I recorded the call, and made sure to make her aware that I am recording the call and will raise this if the card is not converted to LTF.
37 days period is ending on 5th Jan 24.

Activating it, and will escalate if not converted to LTF.

Grievance team refused to convert LTF thrice in this 37 days period, when asked every 10 days, tried asking politely, and threating to close other cards, but was not converted to LTF.

Important takeaway from this Post.

Even If someone has already tried the mailing method once/twice/thrice and faced rejection…. It doesn't mean your LTF chances are over.

 

[RajMahadik]

They want me to apply , but wont apply till’s it gives JF AND AF as 0. Ie LTF 😂😂😂

 

[panu24]

View attachment 39386They want me to apply , but wont apply till’s it gives JF AND AF as 0. Ie LTF 😂😂😂

I think hdfc is also giving tough competition to us by not giving direct LTF offer but now increasing annual fee waiver for 2 years. 🤣🤣

 

[helloworld]

So, all of you hoping this card will survive Lifetime with its benefits?

 

[ak95]

So, all of you hoping this card will survive Lifetime with its benefits?

😂😂 most of the people here … who have applied don’t even care about Swiggy specific benefits.

-Some people just want an HDFC CC for Sale offers
-Some people just want an LTF Card … free ka maal chahiye bas
-Some people (like me 😅) bas wanted an orange coloured card … because black/white/red/blue sab hai … 1 🍊 Orange card chahiye tha bas

 

[Prime Carlsen]

😂😂 most of the people here … who have applied don’t even care about Swiggy specific benefits.

-Some people just want an HDFC CC for Sale offers
-Some people just want an LTF Card … free ka maal chahiye bas
-Some people (like me 😅) bas wanted an orange coloured card … because black/white/red/blue sab hai … 1 🍊 Orange card chahiye tha bas

 

[helloworld]

😂😂 most of the people here … who have applied don’t even care about Swiggy specific benefits.

-Some people just want an HDFC CC for Sale offers
-Some people just want an LTF Card … free ka maal chahiye bas
-Some people (like me 😅) bas wanted an orange coloured card … because black/white/red/blue sab hai … 1 🍊 Orange card chahiye tha bas

Understood, your requirement may be unique but at the same time we can get Orange card as 'customize card' for any of our cards by paying similar fee, anyway its upto you. You want Original Orange, so applied.

But, I do not understand obsession and stopping because of non-LTF for some people. As per screenshots, its free for 2 years (compensated), so these people will have 2 years of time to explore and enjoy the benefits and move on to another card, why need for LTF.? I do not think this card survive 6 more months before went to shelf, so no point to wait or bargain for LTF. Take it, use it, switch to another card..

LTF should be on the card we believe will work atleast 2 or 3 years without much devalution where you do not have to pay fee with your limited spending, but you want to avail the card benefits.

Its my opinion, after seeing so many devaluations in past 2-3 years, there are very few cards worth to have LTF. Rest all are either temporary or switch to better card.

 

[Prime Carlsen]

Understood, your requirement may be unique but at the same time we can get Orange card as 'customize card' for any of our cards by paying similar fee, anyway its upto you. You want Original Orange, so applied.

But, I do not understand obsession and stopping because of non-LTF for some people. As per screenshots, its free for 2 years (compensated), so these people will have 2 years of time to explore and enjoy the benefits and move on to another card, why need for LTF.? I do not think this card survive 6 more months before went to shelf, so no point to wait or bargain for LTF. Take it, use it, switch to another card..

LTF should be on the card we believe will work atleast 2 or 3 years without much devalution where you do not have to pay fee with your limited spending, but you want to avail the card benefits.

Its my opinion, after seeing so many devaluations in past 2-3 years, there are very few cards worth to have LTF. Rest all are either temporary or switch to better card.

I agree with you, this card does not make sense if spend is not much on swiggy as even reward is tied to that.

And even ignoring the 1k joining offer, if you actually have that much spend then annual charges is very easy to recover.

 

[TheGuy]

there are very few cards worth to have LTF.

examples?
ICICI Amazon

 

[helloworld]

examples?
ICICI Amazon

depends on ones use cases. not all fit into single plastic but there are good for lounge, cashback, miles, direct booking etc.

Also depends on our spends, lifestyle and ability to get them as LTF because some of them won't be offered LTF and we have to try (not for this Swiggy card though, but similar effort we have to put)

In your example, you choose 'amazn' because it gives 5% on amzn, 2% on amznPay, 1% everywhere.

On 2L of mixed spends,

ex: amznPay = 10k, amzn = 20k, fk =20k, food/grocery (online) = 60k, (offline) = 30k, Other bills (non-amzn) = 20k, Other Online/Offline (non-gyftr) = 30k

In cashback point of view ( or either direct or equivalent amzn voucher):

- Amzn = cumulatively provide ~2%+
- and I may choose, Pinnacle which also provides ~2%+ along with 0 balance premium account.
- But, paid HSBC CB provides ~5.5%+

Choose based on spends, and facilities provided by that card, not on basis of LTF alone because at the end of the day the value we get them is matter not how many cards we have as LTF or collected.

 

[frezcoop]

Had fun reading the whole thread. Would really like to know link for sourcing the funny memes 😛 On a serious note, I want to understand from community whether this hit & miss method should be done post delivery of card and before activation OR before completing the application?

I actually checked my eligibility for Tata Neu Infinity card on Tata Neu app and only got FYF offer even though I hold Regalia LTF with 5.2L limit. So I dropped email asking whether it is LTF before I complete the application - (I have 10 day window to accept the offer in app). Is this the right way or should one do it before activation of card ?

I already failed getting Regalia Gold LTF instead of FYF over email with HDFC so I don't know what kind of mood they are in.

 

[TheGuy]

only got FYF offer

with Neu Card- I think everyone gets that (personal experience)

 

[card-shard]

Had fun reading the whole thread. Would really like to know link for sourcing the funny memes