HDFC Lifetime Free Credit Cards

Benefits of HDFC Lifetime Free Credit Cards

• Rewards- HDFC lifetime free credit cards offer exclusive reward points on every purchase. These can be redeemed later. The rate at which the reward points can be redeemed varies with the card.
• EMIs - Most HDFC lifetime-free credit cards let you convert purchases into EMIs. So, customers can make big-ticket purchases. A minimal interest rate will be charged on EMI conversion.
• Revolving Credit- HDFC lifetime free credit cards have the revolving credit feature. Using this feature, you can roll over outstanding balances to the next credit card billing cycle and use the credit limit normally. But, this rolled-over balance will attract finance charges everyday.
• Offers- HDFC lifetime free credit cards give exclusive offers from time to time. Major online shopping websites like Amazon and BigBasket come with no-cost EMI offers and other discounts on HDFC lifetime free credit cards.

Key Highlights of Some HDFC Lifetime Free Credit Cards

HDFC MoneyBack Credit Card

This is one of the best credit cards which give you instant cashback on every single spend.

Key Highlights of the HDFC MoneyBack Credit Card

• Reward points
  • 2 reward points per Rs. 150 spent (Not including fuel transactions, wallets loads/prepaid card loads & voucher purchases).
  • Earn 4 reward points on every Rs. 150 spent online.
• Reward Points Redemption: reward points can be redeemed at 1 reward point = Rs. 0.20.
• E-Voucher: Get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers yearly.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions (Minimum transaction of Rs. 400, Maximum transaction of Rs. 5,000 and Maximum waiver of Rs. 250 per statement cycle).
• Welcome Benefit: 500 Cash Points applicable on paying the membership fee.
• Complimentary Accidental Death Insurance: Get complimentary accidental death insurance up to Rs. 50 Lakhs and fire and burglary protection exceeding Rs. 5,000 for 180 days on making at least 4 transactions in a month.
• Interest-Free credit period: Interest-free credit period of up to 50 days from the date of purchase.
• Domestic Lounge Access: 8 complimentary domestic lounge access per year (2 in a quarter).
• Smart EMI: Can convert your big spends into EMIs after purchase.
• Contactless Payments: The Credit Card is enabled for contactless payments

HDFC Bank Freedom Credit Card

This is one of the best credit cards which give you instant cashback on every single spend.

Key Highlights of the HDFC MoneyBack Credit Card

• Cashpoint:
  • 10X cashpoints (Up to a maximum of 2500 cashpoints) on merchants - Big Basket, BookMyshow, OYO, Swiggy, and Uber
  • 5X CashPoints on EMI spends at merchant places
  • 1 cashpoint per Rs. 150 on other spends (Not including fuel, Wallet / Prepaid Card loads or Voucher Purchases ).
• Lower interest rates of 0.99% on non-EMI spends for 90 days from the card issuance date (This is however not applicable on Insta loan, Insta Jumbo Loan, SmartEMI, EasyEMI, balance transfer, or cash transactions).
• Dining Benefits: Up to 15% off at 2000+ premium restaurants in select cities.
• Welcome Benefit: 500 CashPoints applicable on paying the membership fee
• Interest-Free Credit Period: Up to 50 days of interest-free period on your from the date of purchase.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions (Minimum transaction of Rs. 400, Maximum transaction of Rs. 5,000 and Maximum waiver of Rs. 250 per statement cycle)
• Cashpoints Redemption: Cashpoints can be redeemed at 1 CashPoint = Rs. 0.15.
• Smart EMI: Can convert your big spends into EMIs after purchase.Payments: The Credit card is enabled for contactless payments

HDFC Millennia Credit Card

Key Highlights of the HDFC Millennia Credit Card

• Cashback:
• 5% Cashback on Flipkart, BookMyShow, Cult.fit, Amazon, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• 1% cashback on all other spends (excluding fuel) including EMI & Wallet transactions
• Gift Vouchers: Gift vouchers worth Rs.. 1000 on spends of Rs. 1,00,000 and above quarterly
• Dining Privileges:
• Up to 20% discount on partner restaurants through Dine Out.
• Exclusive dining privileges at premium restaurants across top cities.
• Interest-Free Period: Up to 50 days of interest-free period from the date of purchase.
• 8 complimentary domestic lounge access: for each calendar year (2 in a quarter)
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India (On minimum transaction of Rs. 400, maximum transaction of Rs. 5,000, and maximum waiver of Rs. 250 per statement cycle).
• Welcome Benefit: 1000 Cash Points applicable only on paying membership fee.
• Rewards Redemption: Rewards can be redeemed at the rate of 1 cashpoint = 1 Rs.
• Contactless Payments: The card is enabled for contactless payments.
• Smart EMI: This card comes with the option to convert your big spends into EMIs after purchase

HDFC MoneyBack Plus Credit Card

Key Highlights of The HDFC MoneyBack Plus Credit Card

• Cashpoint:
• 10x cash points on BigBasket, Amazon, Flipkart, Reliance Smart SuperStore and Swiggy.
• 5x cashpoints on EMI spends at merchant locations
• 2 cash points per Rs.150 spent on other spends (Excluding fuel, wallets loads/prepaid card loads & voucher purchases)
• Gift voucher: Get Rs. 500 gift voucher on spends of Rs. 50,000 per quarter.
• Dining: Up to 15% off at 2000 plus premium restaurants in select cities.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions (Minimum transaction of Rs. 400, Maximum transaction of Rs. 5,000 & Maximum waiver of Rs. 250 per statement cycle)
• Interest-Free Credit Period: Avail up to 50 days of interest-free period from the date of purchase
• Welcome/Renewal benefits: 500 Cash Points applicable on paying the membership fee.
• Reward point redemption: Rewards can be redeemed at the rate of 1 CashPoint = Rs. 0.25
• Benefits on Quarterly Spends: Get a gift voucher worth Rs. 500 every quarter on spends of Rs. 50,000 and above. Earn gift vouchers worth up to Rs. 2000 in a year.
• Smart EMI: You can convert big spends on HDFC Bank MoneyBack + credit card to EMIs after purchase.
• Contactless Payments: The HDFC Bank MoneyBack plus credit card enables contactless payments

Indian Oil Credit Card - HDFC Bank

Key Highlights of the Indian Oil Credit Card

• Fuel Points:
  • 5% of your spends as fuel points at IndianOil outlets
  • Up to 50 liters of free fuel annually.
  • 5% of your spends as fuel points (Up to a maximum of 100 fuel points monthly) on groceries and bill payments
  • Earn 1 Fuel Point per Rs. 150 spent on all other purchases
• Complimentary IndianOil XTRA REWARDSTM Program (IXRP) membership
• Interest-Free Credit Period: Interest-free period of up to 50 days on your IndianOil HDFC Bank Credit Card from the date of purchase.
• Fuel Surcharge Waiver:1% across all fuel stations in India
• Redemption of fuel points:
  • Redemption at participating Indian Oil petrol outlets at the rate of 1 fuel point = 96 paise.
  • Redeem fuel points through netbanking where 1 fuel point = up to 20 paise
  • Redeem fuel points as cashback on your IndianOil HDFC Bank Credit Card at 1 fuel point = 20 paise.
• Smart EMI: You can convert big spends on HDFC Bank MoneyBack + credit card to EMIs after purchase.
• Contactless Payments: The HDFC Bank MoneyBack plus credit card enables contactless payments

Conclusion

Thus, HDFC Bank lifetime free credit cards have an array of benefits. Apply for the cards and enjoy the privileges.

FAQs of HDFC Lifetime Free Credit Card