HDFC SmartPay LTF Credit Card conditions
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Hi Dimers,
I would like to know what exactly makes the HDFC CC LTF using the SmartPay feature ? My SO got a pre-approved Regalia HDFC CC last month and she has added LIC as SmartPay to get it LTF; However the billing date of this LIC is next year only; so just adding an approved biller in smartpay is enough to get it converted or is the bill payment also needed ?
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Monthly bills are preferred over yearly bills. For eg, monthly recurring UTILITY bills, Insurance policies with monthly premium payment option, monthly rent payments. Add atleast 1 monthly payment for consideration to LTF. Not very sure about Yearly bills are eligible for LTF. Other members can put focus on it.
What is SO
I think he meant Significant Other (spouse/fiance)
Someone shared an official reply received from HDFC customer care regarding such a query.
I am copying the same content:
"""
Dear Mr. XXXX,
Season’s Greetings from HDFC Bank.
This is with reference to your e-mail regarding membership fee on your HDFC Bank credit card account.
We understand your query pertaining to membership fee in your card, we observe from our records that you are holding Money back credit card ( Classic Card ) and your card will be first year free or life time free by opting the below given options,
Option 1 for First Year Free :
a : If you do retail transaction for an amount of Rs. 20000 (within in 90 days from the card setup date)
b : If you register your credit card for any one of the below products within 90 days from the card set up date.
Fastag (or)
EasyEMI (or)
c : If you do 02 ( TWO ) transactions each month for 3 consecutive months
Option 2 for Life Time Free Card : which will be offered if you fulfull any one of the conditions within 90 days from the card set up date.
a. Smartpay one bill registration excluding Pre-paid mobile (or)
b. One Assist
c. If you do 04 ( FOUR ) transactions each month for 3 consecutive months – (Each transaction worth minimum INR 500)
We wish to clarify that Smart-Pay has to be in active status for 90 days so that the card status will be changed to life time free. Cancelling Smart-pay will result in levy of Membership fee on card.
Kindly note the query reference number for this e-mail: 20004317258
"""
This was before COVID.
I’ll suggest you send an email to customer care and find out the latest conditions.
Please share their with us also.
LIC yearly bill is enough. You don’t need to pay anything through smartpay.
I also added yearly bill, and my card converted to LTF without any payment.
Smartpay must be active for 90days. And date will start 1st day for next month.
how did u know card became LTF?
I added one LIC bill, One Tata Sky (amounting to ₹100) and 2 electricity bills (all not in my name) 4-5 months back.
Confirmed from customer care both via email and call, the card status has been changed to Life time free! 
Can we set Fastag to auto recharge? That would count for Smartpay?
I received this mail yesterday.
Thank you for writing to us.
This is with reference to your e-mail regarding membership fee on your HDFC Bank credit card account.
We hope you and your loved ones are safe and healthy.
We at HDFC Bank are committed in providing you uninterrupted services. However due to the prescribed COVID-19 protocols, our offices are operating with limited staff. This could have lead to a delay in response to your email. We sincerely regret any inconvenience caused to you.
We wish to clarify that Smart-Pay has to be in active status for 90 days so that the card status will be changed to life time free. Cancelling Smart-pay will result in levy of Membership fee on card.
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