In our previous post, we have explained, how to pay HDFC credit card bills through a debit card. Now we bring some information about HDFC lifetime free credit card like what are charges, benefits, and how to apply for a lifetime free HDFC credit card.
HDFC bank offers different types of credit cards like basic, premium and super-premium cards. In which premium & super premium have high annual charges, but they offer good discount and cashback offers too.
We are talking about basic or lifetime free category credit cards. Such kind of has very minimum annual charges or its completely free if you spending money in set milestone.
What is a HDFC lifetime Free Credit Card?
These cards do not charge any renewal or annual fee, but there are some conditions you should have to keep in your mind.
For example, HDFC waive off the annual charge if you spend at-least Rs 15,000 in 90 days of the card issuing date.
If you become a creditworthy customer, pay credit bills before the due date and regularly spending money via credit card, then the bank may offer a lifetime free credit card.
Benefits of Lifetime Free Credit Card
No Finance charges:
This charge belongs, if you settle bill payment after due date. If you pay your credit card bil before due date, then bank will not charge any finance charge.
Waive Other Charges:
If you use credit card for online or offline purchases and pay bill before settlement due date, then your card is free.
EMI Facility:
To convert your purchase an EMIs, this card will be charge mimimal interest to avail this facility.
Discount Offers & Cashback:
HDFC credit card offers many online and offline shopping offers except other bank’s credit cards. You can avail of these kinds of offers via HDFC Lifetime free credit card.
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Lifetime Free Credit Card Charges
Well, as i mentioned above, the bank will charge an annual fee if you fulfill the criteria, like spending the minimum amount, pay the bill after the due date.
These lifetime free credit cards can be free of cost, if you use is smartly.
You can get hdfc credit card apply online lifetime free online via click here.
Note: Right now RBI put some restrictions to issue new HDFC credit cards, hopefully, they will revoke this restriction very soon. Keep checking if you want to apply for it.