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HDFC Bank Unconditional Lifetime Free Credit Card (Zero Joining Fee And Zero Annual Fee)

HDFC Bank Unconditional Lifetime Free Credit Card (Zero Joining Fee And Zero Annual Fee)

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HDFC Bank in Association with Shoppers Stop launched a new LIFETIME FREE credit card.

Card Link: https://www.hdfcbank.com/personal/pay/cards/cre...

Card Type

Shoppers Stop Points

Key Features

a. Lifetime FREE card
b.Earn 6 First Citizen Points on Shoppers Stop private label brands, capped at 500 First Citizen Points per month
d.Earn 2 First Citizen Points on all other Shoppers Stop brands & other category spends (except fuel & wallet)
e. Complimentary Shoppers Stop membership

Fuel Surcharge Waiver

1% fuel surcharge waiver of upto ₹250 per statement cycle, across all fuel stations in India

Welcome Benefit

₹500 worth Shoppers Stop voucher, redeemable on minimum shopping of ₹5,000 on Private Label brands

Milestone Benefit

Earn 2000 First Citizen Points on spending ₹2 Lakhs annually

Smart EMI

Shoppers Stop HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click

Contactless Payment

The Shoppers Stop HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.


*To see if your Card is contactless, look for the contactless network symbol on your Card.

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons).

Reward Point/CashBack Redemption & Validity

Earn First Citizen Points for every ₹150 spent on all retail transactions.

Accrued points will reflect in Shoppers Stop membership account and can only be redeemed on Shoppers Stop platform/outlets.



Expiring In 6 months
64 Comments  |  
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Deal Cadet Deal Cadet
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It is an UNCONDITIONAL Lifetime Free credit card from HDFC Bank.

Generous Generous
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Never expected unconditional LTF from HDFC. Vu kg+ pending

Deal Newbie Deal Newbie
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How to apply?

Community Angel Community Angel
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VU but given that HDFC mostly allows 1 credit card per customer who will opt for this card 😳 😳

Deal Cadet Deal Cadet
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There are many non HDFC credit card customers to whom this unconditional lifetime free credit card has been targeted by the HDFC Bank to regain lost market share in India. 

Deal Newbie Deal Newbie
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How to apply if one is not a HDFC bank customer?

Finance Ninja Finance Ninja
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Useless card tbh

Deal Cadet Deal Cadet
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Useless or Useful differs from person to person.

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Deal Cadet Deal Cadet
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Airport lounge h?

Benevolent Benevolent
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Depends on the card variant.

Deal Cadet Deal Cadet
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useless

Glitterati Glitterati
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BTW what unconditional means here

Deal Cadet Deal Cadet
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Unconditional Lifetime Free means there would not be any spend based condition to make this credit card Lifetime Free. From the moment this card is approved, it will be a Lifetime Free credit card. Even if the card is not utilized for the whole year, there won’t be any charges levied on the card.

Super Stud Super Stud
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Useless

Post Emperor Post Emperor
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Targeting to get customers after RBI ban lifted blush

Deal Cadet Deal Cadet
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Unconditional LTF is good for offers in general, other than that it is wise to choose Millenia even with initial spend based condition.

Deal Cadet Deal Cadet
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How is HDFC Business Regalia, annual charges are there hence need your suggestions

Deal Newbie Deal Newbie
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Was best.. used for approx 5 yrs

Then got the free upgrade to Infinia… This is awesome on dineout i get 15% discount over and above other discounts… Lounge access .. further.. for some certain amt of spending.. got smartbuy vouchers..using which i took 2k and 3 k vouchers fr free of Amazon and Flipkart….

Btw my signature regalia and infinia..all were free… Currently holding infinia card..and its too lifetime free… No hidden charges….

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Deal's Advocate Deal's Advocate
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How to apply?

Finance Ninja Finance Ninja
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Even if one really shops at shoppers stop, why would they not use shoppers stop giftcard from instavouchers which is a discount plus additional cashback

Pro Analyst Pro Analyst
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Is it really worth?

Deal Cadet Deal Cadet
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Same card was offered by citibank earlier. Later on it was phased out

Now with hdfc bank

Deal Lieutenant Deal Lieutenant
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Useless for me too!

Deal Cadet Deal Cadet
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please let me know how to apply for this card, I don’t have hdfc account

Deal Cadet Deal Cadet
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Ultimately Useless Card


Deal Cadet Deal Cadet
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How to apply? I can’t see any apply option on given page.

Deal Newbie Deal Newbie
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https://cdn0.desidime.com/attachments/photos/758176/medium/IMG_20220409_115042.jpg?1649485255

Deal Cadet Deal Cadet
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Dear HDFC card specialist @Nighthawk69 @Tanmayyy  shoppers stop HDFC Credit card LTF varient

1. can someone please confirm this card valid for any online discounts where HDFC Card discounts valid like amazon, flipkart , mi online store etc we can utilize discount offer or not ? or all HDFC cobranded cards like PAYTM etc.

2. Is there any upgrades of cards possible from HDFC if we get shoppers stop HDFC Credit card i.e. only unconditional LTF in all cards or it is dead end no LE or upgrade will come in future by HDFC, 

3.From Gyftr /payzapp it will accumulate any cashback amount/point like HDFC base credit cards like Millenia debit/credit card it getting reward points but other cards only showing some cashback value like for amazon 5000 voucher it showing 250 cashback here 2.5+gst will get minus but this cashback will come or not where it will get credit ike hdfc netbanking section can someone share experience . 

Here i am asking about any cobranded HDFC credit card including Shoppers stop HDFC for HDFC Smartbuy instant voucher or other offers.

Deal Subedar Deal Subedar
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I have a different variant card. very few to no offers on HDFC cards nowadays.
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Deal Cadet Deal Cadet
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this card will cause you more loss of money then benifit. hdfc has become master at making you spend unconditionally and cluttering up your finances.


reading the so called benifit wasted my time.
Deal Cadet Deal Cadet
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if you read properly this is shopper's stop sponsored card. 
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