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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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Deal Cadet
Deal_Freak

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 over 2 years
58 Comments  |  
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Blaze Blaze
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LUKA186 wrote:

He is like very rude yaar 🤣🤣🤣

Saying our opinion. He is like, we are saying he is useless like that stuck_out_tongue_closed_eyes

Yup… May be its his way to communicate… Or he is in bad mood you never know blush
… Nevertheless post is gaining hotness with our comments… So we kind of own a thank you… And he said… Although the way lil bit different. ok_hand

Deal Cadet Deal Cadet
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Kellyjelly wrote:

Yup… May be its his way to communicate… Or he is in bad mood you never know blush
… Nevertheless post is gaining hotness with our comments… So we kind of own a thank you… And he said… Although the way lil bit different. ok_hand

I like the way you think AND I owe you a BIG Thank You 😊

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 Newbie Deal Newbie
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Sm2698 wrote:

Yaa even i have same doubt…may not be using shopper stop but can be used for other HDFC bank offers na? Can anyone confirm?

I too have the same concern, it can be used for Amazon/Flipkart HDFC offers, right ?
I have missed numerous deals because of not having HDFC Card and want one badly. If it’s LTF and can be used on Amazon and Flipkart, then all the better.

Deal Cadet Deal Cadet
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Amith14 wrote:

I too have the same concern, it can be used for Amazon/Flipkart HDFC offers, right ?
I have missed numerous deals because of not having HDFC Card and want one badly. If it’s LTF and can be used on Amazon and Flipkart, then all the better.

For non-HDFC credit card holders, this card is a Bliss !!

Deal Cadet Deal Cadet
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Sm2698 wrote:

Yaa even i have same doubt…may not be using shopper stop but can be used for other HDFC bank offers na? Can anyone confirm?

You will be getting discount/cashback if merchant/website mentions only HDFC CC. But sometimes they specify 10X points on Moneyback card, millennium card, etc. That time you will not get any reward points or cashback.

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

Blaze Blaze
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Deal_Freak wrote:

I like the way you think AND I owe you a BIG Thank You 😊

If It’s genuine smirk… than… I take that big thank you

BTW you didn’t answered my question in your post

Finance Ninja Finance Ninja
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Deal_Freak wrote:

What about HDFC Bank credit card offers during Amazon/Flipkart sale? Non-HDFC credit card customers who miss those Instant Discount offers on e-commerce websites, this card can be beneficial for them.

If anyone is willing to take HDFC bank credit card , why would they go for this card? I don’t see any reason for anyone to get this card. HDFC card are well worth it even if not LTF.

Deal Cadet Deal Cadet
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Tanmayyy wrote:

If anyone is willing to take HDFC bank credit card , why would they go for this card? I don’t see any reason for anyone to get this card. HDFC card are well worth it even if not LTF.

Because this HDFC Bank credit card will be approved easily for majority of people as it is a newly launched credit card from HDFC.

Perfectionist Perfectionist
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Tanmayyy wrote:

If anyone is willing to take HDFC bank credit card , why would they go for this card? I don’t see any reason for anyone to get this card. HDFC card are well worth it even if not LTF.

Yes. Also with some patience we can get LTF
Either open savings account and wait for offer
Or try luck with spend based Ltf
Or apply with C2C
If HDFC allowed multiple cards ,then yes it would have been good

Deal Cadet Deal Cadet
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Kellyjelly wrote:

BTW what unconditional means here

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.

Comrade Comrade
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LUKA186 wrote:

Here 2 years old card. No upgrade to millenia 🤣

Got upgrade option to millennia but annual charges are 1000

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

Deal Newbie Deal Newbie
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naveenchowdari539 wrote:

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

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….

Finance Ninja Finance Ninja
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Deal_Freak wrote:

Because this HDFC Bank credit card will be approved easily for majority of people as it is a newly launched credit card from HDFC.

This is not the case brother , cards like these aren’t approved easily just because they are new , cobranded cards like amazon icici , Flipkart axis have a higher chance of approval only if your account/order history on those merchants are good. The final decision rests with the bank.

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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Tanmayyy wrote:

This is not the case brother , cards like these aren’t approved easily just because they are new , cobranded cards like amazon icici , Flipkart axis have a higher chance of approval only if your account/order history on those merchants are good. The final decision rests with the bank.

Brother I had created two new accounts on Amazon and on Flipkart to apply for Amazon Pay ICICI credit card and Axis Flipkart credit card respectively. Both the newly created accounts had ZERO order history and both of my credit cards were approved. Amazon Pay ICICI credit card was approved within 2 minutes of my credit card application. Axis Bank took 5 days and the card was approved without any additional verification.

Finance Ninja Finance Ninja
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Deal_Freak wrote:

Brother I had created two new accounts on Amazon and on Flipkart to apply for Amazon Pay ICICI credit card and Axis Flipkart credit card respectively. Both the newly created accounts had ZERO order history and both of my credit cards were approved. Amazon Pay ICICI credit card was approved within 2 minutes of my credit card application. Axis Bank took 5 days and the card was approved without any additional verification.

Read the last line of what i wrote bro. The final decision rests with the bank , your order history only gives a boost to chances of card approval. It’s not a deciding factor in it.

Critic Critic
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Deal_Freak wrote:

Brother I had created two new accounts on Amazon and on Flipkart to apply for Amazon Pay ICICI credit card and Axis Flipkart credit card respectively. Both the newly created accounts had ZERO order history and both of my credit cards were approved. Amazon Pay ICICI credit card was approved within 2 minutes of my credit card application. Axis Bank took 5 days and the card was approved without any additional verification.

Cibil report also play a big role especially if your status show up as salaried & applying for any axis card.

Deal Cadet Deal Cadet
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rohzer123 wrote:

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….

Thank you so much

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

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