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Year End Offer: Lifetime Free HDFC Bank Credit Cards

One can have both personal and business credit cards?

If yes, the limits will be different for personal and business credit cards?

I have HDFC personal credit cards I have applied for business credit card
 
Today morning, I received my Freedom credit card, which I activated as well. Just now I reached out to HDFC customer care to confirm whether the Freedom card is LTF as it was mentioned on the Paytm app with no joining / renewal fee. To my surprise the customer support executive said it is a paid card and a fee of ₹500 + GST is applicable. I informed them that it was mentioned as LTF on Paytm but he replied that I might not be eligible for the LTF offer. I do have screenshots as proof.

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Got Swiggy Card today. As per welcome letter, limit will be shared with existing card (TN infinity). But there is no mention of charges applicable anywhere in the letter. Swiggy indicated it as LTF. In swiggy app it is asking to activate card. Nothing else is showing.
But is there any way to confirm whether there are any charges before activation.
 

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