HDFC Bank Credit Card Lifetime Free Conversion Conditions 2022

[TechnoFino]

HDFC Bank recently updated their terms and conditions for converting a credit card to a lifetime free credit card.
According to the new conditions, we get 3 options (for maximum cards) for converting a credit card to a 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)

Balance Transfer- Moving outstanding debt on one credit card to another card— is a balance transfer.
You can't convert HDFC Infinia & DCB credit cards lifetime free using the above methods.

SmartPay LTF option is no longer available for new registration, but bank can offer SmartPay option to selected customers, check your application form for available offers while applying for a new credit card.
*Upgraded credit cards are also eligible.

 

[Bob78900]

If spend per transaction is under 500, it'll attract charges

How much? I only fuel my scooty for around 250 once in a week or two🙂

 

[Obhi]

I have DCB chargeable credit card 5+motnths old with 4.9L limit.
Spending is 4L+ during this period.
Is there any way to convert it to Infinia or LTF DCB. If yes what is the process? I do not have ITR of 45LPA required for Infinia.

 

[akshayhs]

BTW some here mentioned about payment on Flipkart, Amazon etc. via HDFC smartpay or something
How to pay that way?

Must be SmartBuy.

 

[akshayhs]

How to make transactions via smartbuy?

Login to SmartBuy using your phone number (attached with HDFC a/c) and just pay normally like how you pay elsewhere. You have to make sure you are logged in to get the advertised benefits.

 

[akshayhs]

Ah okay ... So when I pay via Smartbuy to Amazon, I ideally should get atleast 5% cashback, right?

Right. But that 5% is only for gift card purchases if am not mistaken. Check once and then proceed.

 

[ANIK]

Rent payment through cred app is eligible for spend based criteria ?
* I have moneyback plus card 40 days old.
Kindly reply

 

[Vishvajeet]

earlier in a conversation with the bank employee over mail they told me it is 50K two months back
i have done around 40K
DOES THIS CONDITION APPLY TO EVERYONE ?

 

[sanchit9282]

Hi Guys, I would like to get some details on the following:
I own an HDFC Regalia LTF since a long time. I have got an upgrade offer to Millenia but I don't want to upgrade on that.
Instead I want an upgrade to either DCB or Infinia (Infinia preferred).
My current Credit limit is around 2.26L and I do not have an ITR of 45L.
Is there any way I can get an upgrade to either of these 2 cards as LTF or maybe get them and make them LTF by any means?

 

[sanchit9282]

You mean you own Regalia First?

Not Regalia First. Just Regalia.

 

[sanchit9282]

Go step by step

Is your Millennia upgrade LTF?

Dont think so. Following is the offer details:

 

[sanchit9282]

Then why do you want to downgrade to Millennia from LTF Regalia?

Exactly, I don't want to go for Millennia.
I want an upgrade to either DCB or Infinia, (Infinia preferred).
But I don't see any such offers for me.
Thus my query is:
1. How can I get an upgrade to either DCB or Infinia even when I'm neither having an ITR of 45L and my current Credit limit is 2.26L.
2. Is there any possible way to get either of these cards LTF either directly or by following any steps to make it LTF, like spending something, etc.

 

[Cierdo]

Exactly, I don't want to go for Millennia.
I want an upgrade to either DCB or Infinia, (Infinia preferred).
But I don't see any such offers for me.
Thus my query is:
1. How can I get an upgrade to either DCB or Infinia even when I'm neither having an ITR of 45L and my current Credit limit is 2.26L.
2. Is there any possible way to get either of these cards LTF either directly or by following any steps to make it LTF, like spending something, etc.

I believe there are enough threads already about this. Please go through them
Short answers:
1. In the current circumstances, sadly, you cannot, no matter how much you try.
2. You need to be eligible first, then comes the point of making it LTF.

 

[Amitt Aryan]

Dont think so. Following is the offer details:

Its Regalia master.

 

[Rcbian]

I want to apply for millennia but will it get apporved? Can you tell some minimum income/C2C limit requirement.

 

[akshayhs]

Will I be charged for add-on card, or is it free?

 

[akshayhs]

I want to apply for millennia but will it get apporved? Can you tell some minimum income/C2C limit requirement.

Min. monthly income is 30k for existing customers. 35 for others

 

[Akshay Ajmera]

In the tedms and conditions, it is not mentioned for upgraded cards.

https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-fee-waiver-condition

 

[Pho3nix]

Will I be charged for add-on card, or is it free?

Herer is the catch 👉 "The fee for an add-on card differs depending on the type of card; it is generally between Rs 125 and Rs 1000. All the expenses incurred on the additional Credit Card are to be paid by the primary Credit Card holder."

 

[Harry1]

Does the HDFC diners card through almuni offer not count in limit of 1 card per person?

I have this card and I keep getting calls from customer care saying they are giving pre-approved LTF card, but when I tell them, I already have diners black card, they cut the call.

Don't see any pre-approved card in my netbanking though. So, wondering if I can get second card from HDFC?

 

[Cierdo]

Try to take 2nd card if they're offering

Tele callers don't have the required clearance or authority to provide another card. You'll have to go through proper banking channels, RM/mail for a second card.
At times, the callers are third party agencies looking to make a quick buck from commission.