Compare HDFC Bank lifetime free and low annual fee credit cards to find a card that matches your spending needs, rewards preferences, and eligibility profile.
Last updated on: Sep 21, 2026
HDFC Bank offers a range of credit cards with low upfront costs, along with several cards whose annual fees can be waived when you meet specified spending milestones. While a lifetime free credit card comes with no joining or annual fee, a fee-waiver requires you to achieve a minimum spend threshold to avoid renewal charges. Understanding this difference can help you choose the right card based on your spending habits.
A lifetime free credit card is a card that comes with zero joining fee and zero annual or renewal fee for the entire period you hold the card.
Unlike fee-waiver cards, a genuine lifetime free credit card does not require you to meet annual spending thresholds to avoid renewal charges. You can continue using the card and enjoying its features without paying membership fees.
These cards may still offer benefits such as reward points, cashback, EMI conversion, interest-free credit periods, merchant offers, and discounts. However, other charges, such as interest, cash withdrawal fees, and late payment fees, may still apply as per the card's terms and conditions.
HDFC Bank offers a mix of lifetime free cards and cards with annual fees that can be waived upon meeting spending requirements:
| Card Name | Joining Fee | Annual/Renewal Fee Waiver | Best Suited For |
|---|---|---|---|
HDFC Bank MoneyBack Plus Credit Card |
₹500 + GST |
Waived on annual spends of ₹50,000 or more |
Online Spends |
HDFC Bank BizFirst Credit Card |
₹500 + GST |
Waived on annual spends of ₹50,000 in an anniversary year |
Self-Employed Individuals |
HDFC Bank Freedom Credit Card |
₹500 + GST |
Waived on annual spends above ₹50,000 |
Daily Online Shopping on Partner Merchants |
IndianOil HDFC Bank Credit Card |
%$$indianoilhdfcfee$$% + GST |
Waived on spends of ₹50,000 or more in the first year |
Fuel Savings |
HDFC Bank Diners Club Privilege Credit Card |
₹1,000 + GST |
Waived on annual spends of ₹3,00,000 or more |
Dining & Travel Privileges |
HDFC Bank Millennia Credit Card |
₹1,000 + GST |
Waived on annual spends above ₹1,00,000 |
Online Shopping & Cashback |
HDFC Bank BizGrow Credit Card |
₹500 + GST |
Waived on annual spends of ₹1,00,000 in an anniversary year |
Self-Employed Individuals |
HDFC Bank BizPower Credit Card |
₹2,500 + GST |
Waived on annual spends of ₹4,00,000 in an anniversary year |
Business-Related Spends |
HDFC Bank BizBlack METAL Edition Business Credit Card |
₹10,000 + GST (Waived on spends of ₹1.5 Lakhs within 90 days) |
Waived on annual spends of ₹7.5 Lakhs |
Self-Employed Professionals |
HDFC Bank Regalia Gold Credit Card |
₹2,500 + GST |
Waived on annual spends of ₹4,00,000 or more |
Premium Travel & Lifestyle |
Tata Neu Plus HDFC Bank Credit Card |
Nil |
NA |
Shopping & Travel |
Disclaimer: The fees and benefits for these credit cards are subject to change at the issuer’s discretion. Check the issuer’s official website before applying.
HDFC Bank credit cards offer rewards, cashback, travel privileges, fuel benefits, and business-focused features that can help you get more value from your everyday spending.
This card is suited for individuals who frequently shop across the Tata Neu ecosystem and prefer travel-related benefits.
Earn up to 10% NeuCoins on eligible spends
Get 10% cashback on Zomato purchases
Earn 1.5% cashback on eligible UPI transactions
Enjoy 12 complimentary airport lounge visits
Benefit from rewards across Tata partner brands
This card is designed for users who spend regularly on online shopping and food delivery platforms.
Earn up to 10X CashPoints on Amazon, Flipkart, Swiggy, and BigBasket
Get 500 CashPoints on payment of the joining fee
Receive a ₹500 gift voucher on quarterly spends of ₹50,000 or more
Enjoy accelerated rewards on partner merchants
Annual fee waiver on eligible spends
This card is suitable for self-employed individuals who require flexibility for business-related expenses.
Enjoy up to 55 days of interest-free credit
Earn 3% CashPoints on EMI spends
Get 2% CashPoints on utility payments and SmartPay transactions
Receive a ₹250 gift voucher on activation
Annual fee waiver on eligible spends
This card is suitable for users who frequently transact with partner merchants.
Earn 10X CashPoints on BigBasket, BookMyShow, Swiggy, Uber, and OYO
Get 500 CashPoints on payment of the joining fee
Enjoy discounts on Swiggy Dineout
Earn rewards on everyday transactions
Annual fee waiver on eligible spends
This card is designed for individuals looking to save on fuel and routine household spending.
Earn 5% Fuel Points on IndianOil fuel purchases
Get rewards on grocery and utility bill payments
Receive up to 50 litres of free fuel annually
Get a ₹250 voucher on card activation
Annual fee waiver on eligible spends
This card is suitable for users seeking travel and lifestyle privileges.
Earn 5X reward points on Swiggy and Zomato spends
Get domestic and international lounge access benefits
Receive Swiggy One and Times Prime memberships on eligible spends
Enjoy travel and dining-related privileges
Annual fee waiver on eligible spends
This card is designed for shoppers who prefer cashback on online purchases.
Earn 5% cashback on partner platforms such as Amazon, Flipkart, Myntra, Swiggy, and Zomato
Get 1,000 Reward Points on payment of the joining fee
Receive milestone benefits on eligible quarterly spends
Earn cashback across popular online categories
Annual fee waiver on eligible spends
This card is suitable for self-employed individuals and small business owners.
Earn 10X CashPoints on eligible business spends above ₹10,000 in a statement cycle
Receive 2,000 CashPoints on quarterly spending milestones
Get a ₹250 activation voucher
Earn rewards on business-related transactions
Annual fee waiver on eligible spends
This card is designed for businesses with regular operational and travel expenses.
Earn 5X Reward Points on GST, tax payments, travel bookings, and digital advertisements
Enjoy domestic and international airport lounge access
Get milestone vouchers on eligible quarterly spends
Earn rewards on business payments
Annual fee waiver on eligible spends
This card is suitable for self-employed professionals and business owners with high spending requirements.
Earn up to 5X Reward Points on GST, income tax, and utility payments
Enjoy unlimited access to over 1,000 airport lounges worldwide
Receive Club Marriott membership benefits
Get milestone vouchers on eligible spends
Annual fee waiver on eligible spends
This card is designed for users seeking premium travel and lifestyle benefits.
Earn reward points on eligible card spends
Access travel and lifestyle privileges
Get premium partner offers and benefits
Enjoy milestone-based rewards
Annual fee waiver on eligible spends
In addition to card-specific benefits, HDFC Bank credit cards provide access to revolving credit, EMI conversion facilities on eligible transactions, merchant offers, and an interest-free credit period of up to 50 days, subject to the card's billing cycle and payment date.
Even if a credit card has no joining fee or annual fee, other transaction-based charges may apply. It is important to review these costs before using your card for cash withdrawals, international transactions, or EMI repayments.
| Fee Type | Charges |
|---|---|
Interest Charges |
3.75% per month (45% p.a.) on unpaid balances |
Interest Charges (BizBlack METAL Business Credit Card) |
1.99% per month (23.88% p.a.) |
Cash Advance Fee |
2.5% of the amount withdrawn or ₹500, whichever is higher |
Cash Processing Fee |
₹100 |
Late Payment Fee |
Based on the total amount due, ranging from Nil to ₹1,300 |
Over-limit Charge |
2.5% of the over-limit amount, subject to a minimum of ₹550 and customer consent |
Foreign Currency Mark-up Fee |
3.5% of the transaction value |
Foreign Currency Mark-up Fee (Regalia Gold, BizPower, BizBlack METAL) |
2% of the transaction value |
Dynamic Currency Conversion Mark-up Fee |
1.75% |
Reward Redemption Fee |
₹99 per redemption request |
Reward Redemption Fee (BizBlack METAL) |
Nil |
Note: A GST of 18% is applicable on all the above charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
You need to meet certain eligibility requirements before applying for an HDFC Bank credit card.
Here are the eligibility criteria for HDFC Bank credit cards:
| Parameter | Salaried Applicants | Self-Employed Applicants |
|---|---|---|
Citizenship |
Indian citizen with a valid residential address in India |
Indian citizen with a valid residential address in India |
Age |
21 to 60 years |
21 to 65 years |
Minimum Income |
Net monthly income of at least ₹20,000 |
Annual income of at least ₹6 Lakhs as per income tax records |
Income Stability |
Stable source of income |
Stable business or professional income |
Residential Eligibility |
Must reside in a serviceable location as per HDFC Bank's criteria |
Must reside in a serviceable location as per HDFC Bank's criteria |
A healthy credit score can improve your chances of credit card approval and may help you access cards with better features and benefits. Final approval is subject to HDFC Bank's eligibility assessment, credit policies, and verification requirements.
You can apply for an HDFC Bank credit card online on Bajaj Markets in a few simple steps.
Here are the steps to apply:
Click here to start the application
Enter your mobile number, date of birth, occupation, and other basic details
Verify your identity using the OTP sent to your registered mobile number
Review and confirm the pre-filled details, including your PAN number, residential PIN code, email address, and income information
Compare the available HDFC Bank credit cards and select the card that best matches your spending requirements
Review the card's fees, benefits, rewards structure, and eligibility requirements
Submit the application online
After submission, the issuer may verify the information provided and request additional documents if required. The approval process is subject to the bank's internal policies, eligibility checks, and credit assessment.
Reviewer
HDFC Bank may offer select credit cards as lifetime free under specific campaigns or promotional offers. However, not all HDFC Bank credit cards are lifetime free. Before applying, check the card's fee structure to confirm whether it carries zero joining and annual fees or only offers an annual fee waiver on meeting spending conditions.
The availability of lifetime free HDFC Bank credit cards may vary over time and depends on the offers available at the time of application. You should review the latest fee details and card terms before applying.
A lifetime free credit card has no joining fee and no annual or renewal fee for as long as you hold the card. A fee-waiver credit card, on the other hand, charges an annual fee unless you meet a specified spending threshold during the year.
A lifetime free credit card can provide benefits such as reward points, cashback, EMI conversion, merchant offers, and an interest-free credit period of up to 50 days without requiring you to pay annual membership charges. The benefits vary by card variant.
You can apply online through Bajaj Markets by entering your basic details, verifying your mobile number with an OTP, reviewing the available card offers, selecting a suitable card, and submitting your application.
You must be an Indian citizen with a valid residential address in India and be at least 21 years old. Salaried applicants generally need a minimum monthly income of ₹20,000, while self-employed applicants generally need a minimum annual income of ₹6 Lakhs as per income tax records. Approval is subject to the issuer's eligibility criteria and credit assessment.
You can verify this by reviewing the card's terms and conditions, welcome letter, fee schedule, or card agreement. If you are unsure, you can also contact HDFC Bank customer care for confirmation.
Yes. Even if a credit card has no joining fee or annual fee, other charges may still apply. These can include interest charges on unpaid balances, cash advance fees, late payment fees, foreign currency mark-up fees, over-limit charges, and other transaction-based charges as per the card's terms and conditions.