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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 about 1 year
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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 Subedar Deal Subedar
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Vineet_ wrote:

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.

I have a different variant card. very few to no offers on HDFC cards nowadays.
Benevolent Benevolent
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Nighthawk69 wrote:
I have a different variant card. very few to no offers on HDFC cards nowadays.

yes, they are now limiting to only phone launch offers. 

Deal Subedar Deal Subedar
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Simbha3 wrote:

yes, they are now limiting to only phone launch offers. 

The market for smartphones has already reached the greatest quantity. The phone business is slow. Hdfc got the right spot to show they exist but actually, they are useless!
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