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.

 

[Shubham_CCgeek]

For the add-on card condition , If I apply for my wife but she already have HDFC credit card.
Will that be possible or I need to close my wife CC first and then apply for add on card.
Anyone know this case.

 

[Pavan]

For the add-on card condition , If I apply for my wife but she already have HDFC credit card.
Will that be possible or I need to close my wife CC first and then apply for add on card.
Anyone know this case.

No both cards will be valid..I am having add on card and my own card

 

[thekirang]

I received Moneyback CC on 18th April though I had applied for Millenia. So I mailed at grievance.redressalcc@hdfcbank.com regarding the same. They upgraded to Millenia, and I received it on 11th May.

I had done ₹20K spends on Moneyback, those were transferred to Millenia automatically. After receiving the card I did around ₹35K spends (including Rent payment and offline spend). I called CC after this, but they told me I need to spend 3 lakhs in 90 days to make it LTF. I was pissed off after hearing this As I was shown 50K spend in 90 days criteria while applying. I replied back to the same ID attaching screenshot of the above spend criteria which I was shown while applying. After 2 days got a reply that my card has been converted to LTF. I confirmed the same with customer care on call.

Same happened with me..I applied Millenia LTF, they approved Moneyback... don't know whether is LTF or not

 

[Pho3nix]

No both cards will be valid..I am having add on card and my own card

How do you set transaction limits / disable or enable it for International and Domestic transactions in the case of add on card ?

 

[Pavan]

How do you set transaction limits / disable or enable it for International and Domestic transactions in the case of add on card ?

You can do net banking there is a tab for add on card

 

[Qwaszx123]

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.

Just talked to the HDFC bank customer care - they told me that the above is not valid on upgraded cards (upgrading from Milllenia to Regalia), should I still assume that the above 3 conditions are valid?

 

[jainabhishek14]

How to check whether card is unconditional LTF or conditional LTF?
FYI I upgraded my card from Moneyback 2016 to Regalia First in 2016 and to Regalia in 2019. Still no upgrade offer but limit 4L

 

[RiddhiDeopura]

How to check whether card is unconditional LTF or conditional LTF?
FYI I upgraded my card from Moneyback 2016 to Regalia First in 2016 and to Regalia in 2019. Still no upgrade offer but limit 4L

How did you get the upgrade to Regalia?

 

[jainabhishek14]

I received an email for upgrade but in 2019 since then no offer

 

[jainabhishek14]

As I utilize 1L every year… hence no fees till now but now I got SC Ultimate which I am planning to use as Primary card for some time, Now not sure whether 1L condition could be fulfilled or not

 

[Bob78900]

How to check whether card is unconditional LTF or conditional LTF?
FYI I upgraded my card from Moneyback 2016 to Regalia First in 2016 and to Regalia in 2019. Still no upgrade offer but limit 4L

Brother mail or call customer care and ask them whether your card is ltf or not simple. This is the only option you have to check you ltf status

 

[Mritunjay]

So just applying for an add on will make a new card LTF too? Much easier than the other 2 options unless there's some catch involved.

Asked hdfc staff for this, you need to open an account in hdfc to get an add-on card. So, you need to maintain some minimum balance also in that account. Showed them that it is mentioned on the website that add-on card without an account is possible via offline application. He asked some other staff and said it is not possible. Can someone confirm this?
I think they will create an account via offline route.

 

[m1n8]

No need for any account. You just have to fill the form and attach PAN & Aadhaar, that's it. Submit it at the branch and within a week to 10 days you'll receive the add-on card. The struggle to set PIN for the add-on card is a whole new story though!

 

[SamPtnk]

@TechnoFino upgraded cards cannot use this offer

 

[pratikjain4]

I have got an upgrade offer for my LTF Millennia to DCP, but the upgrade page shows Annual Membership Fee: 2500.
Do the above LTF conversion conditions also apply for such upgrades ? I want to upgrade to DCP for it's Intl lounge access, but only if I get it OR I can convert it to LTF. Please suggest.

 

[venkat]

I have got an upgrade offer for my LTF Millennia to DCP, but the upgrade page shows Annual Membership Fee: 2500.
Do the above LTF conversion conditions also apply for such upgrades ? I want to upgrade to DCP for it's Intl lounge access, but only if I get it OR I can convert it to LTF. Please suggest.

Mail them at customerservices.cards@hdfcbank.com and request for ltf mostly they might convert.

Recently got my 9yr old paid Moneyback converted to LTF Millennia (got it shipped)

 

[sanchit9282]

Is it sensible to choose the upgrade offer from LTF Regalia to paid Millenia?
Will Millennia be beneficial over Regalia?

 

[Mogul]

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.

So, if I'm going with Millennia and have completed 50k transaction. Does it convert to LFT be default or i will have to raise a request?

Because I couldn't find anything related to this in HDFC website

 

[Gkcards]

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.

If you are IIT/IIM, and some other institutes i think, Alumni, you can get Diners Black LTF.

 

[yolofino]

Mail them at customerservices.cards@hdfcbank.com and request for ltf mostly they might convert.

Recently got my 9yr old paid Moneyback converted to LTF Millennia (got it shipped)

Can you share the text of what you emailed them?

Thanks