Are you tired of paying annual fees for your HDFC Bank credit card? Well, you’re not alone! Many credit cardholders find these annual and joining fees to be a hassle, eating into their savings. But fear not – there’s a solution! HDFC Bank offers the option to convert your existing credit card into a lifetime free card, eliminating those heavy annual fees for good. In this guide, I’ll tell you the step by step process of converting your HDFC Bank credit card to a lifetime free card.
Understanding Lifetime Free Credit Cards
Before we take you into the conversion process, let’s take a moment to understand what lifetime free credit cards are all about. Essentially, these are credit cards that waive the annual fees and you don’t have to pay any annual charges. There are many Banks which provide lifetime free card considering the customer relationship with the bank. Apart from this, there are some minimum criteria set by the bank in order to make your credit card lifetime tree.
Method 1: Steps to Convert Your HDFC Bank Credit Card to lifetime free card:
Now, let’s get down to business and walk through the steps to convert your HDFC Bank credit card to a lifetime free card:
- The first step is to reach out to HDFC Bank customer service. You can do this by calling the customer service number by visiting the bank’s website.
- Once you’re connected to a customer service care, request politely to convert your existing credit card to a lifetime free card.
- Now you will be asked to proof that you have met the minimum criteria of spending in order to make it lifetime free.
- Once you’ve submitted your request and documents, all that’s left to do is wait for approval from HDFC Bank. This may take some time from 1 days to 1 week, so be patient and keep an eye on your registered email or mobile number for further updates.
- Once your request is accepted, Your existing credit card will be converted to lifetime free card.
Method 2 for converting HDFC Bank Credit Card to lifetime free card:
You can convert almost any HDFC credit card(mostly entry level) to lifetime free without any spending condition using this below trick. This trick has been tested by multiple user who have converted there HDFC Credit card to Lifetime Free. Below is the step by step guide:
- Go to your Gmail and open the email which is registered with your HDFC bank.
- Now, Send a mail to redressal team of HDFC bank Credit card department having email ID – PriorityRedressal.CreditCards@hdfcbank.com
- Use the below mail format:
Hello Sir/ Madam,
The credit card that i own has been devalued recently and it is not much of use to me. Also the annual fees associated with the credit card is too high considering the benefit it offers after the devaluation. Hence, this is request to either make this HDFC bank credit card life time free or tell me the steps to cancel this credit card.
Customer ID – *******
Registered Mobile No – **********
Card Last 4 Digit – ****Best Regards
- You will get a reply from “Grievance-Redressalcc”. They will most probably convert your card to lifetime free card.
That’s it. In this way, You can convert your any HDFC Bank Credit Card lifetime free using this trick.
HDFC Bank Credit Cards that can be converted to Lifetime Free:
Below are the list of hdfc credit cards which can be converted to lifetime free along with its annual renewal charf
- HDFC IndianOil Credit Card: Annual Fee ₹500 + GST.
- HDFC MoneyBack Credit Card: Annual Fee ₹500 + GST.
- HDFC CSC Small Business MoneyBack Credit Card: Annual Fee ₹250 + GST.
- HDFC Business MoneyBack Credit Card: Annual Fee ₹500 + GST.
- HDFC Millennia Credit Card: Annual Fee ₹1000 + GST.
- HDFC Intermiles Platinum Credit Card: Annual Fee ₹1000 + GST.
- HDFC Regalia Credit Card: Annual Fee ₹2500 + GST.
- HDFC Business Regalia Credit Card: Annual Fee ₹2500 + GST.
- HDFC InterMiles Signature Credit Card: Annual Fee ₹2500 + GST.
The following HDFC Bank Credit Cards are NOT eligible for Lifetime Free criteria:
- HDFC Infinia Credit Card: Annual Fee ₹10,000 + GST.
Criteria to fulfill for HDFC Credit Card Lifetime free Card
Below are the minimum criteria setup by the HDFC Bank in order to make your HDFC Credit Card lifetime free. You must fulfill these conditions so that your credit card can be converted to 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) |