Hot Deal

Steps to Follow to Get Pre- Approved Lifetime free HDFC Credit Card

Deal Subedar


  •  Lifetime free Card 
  • Rs.1500 Amazon voucher
  • 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
  • 5X CashPoints on EMI spends at merchant locations
  • 2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
  • Gift vouchers worth upto ₹2000 annually
  • 5% Cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • 8 Complimentary Domestic Airport Lounge access annually
  • 4 Reward Points for every Rs 150 spent
  • Earn Bonus 15,000 Reward Points on spends of Rs 8 Lakhs in an anniversary year
  • 12 complimentary domestic lounge access
  • 6 complimentary international lounge access using Priority Pass

Step 1 :- Open an Saving account 

Types of saving account you can open 

  1. Regular Savings Account.
  2. SavingsMax Account.
  3. HDFC Classic Savings Account.
  4. HDFC Preferred Savings Account.
  5. HDFC Imperia Savings Account.

Step 2 :- Wait for Pre-approved Credit Card Offer

If you are a heavy spender, you will might get it within 2 month. Otherwise, it can take around 3 to 4 months.

The pre-approved Credit Card offer may arrive on your Email, and on your Netbanking Account ‘Offers’ tab. I am giving some examples of how a ‘Pre-approved’ Card offer will come.

Step 3 :- Apply for your Pre-approved HDFC Credit Card

Once you received the email for the offer, apply at one shot.

Remember, every time you log into the HDFC Credit Cards portal, it generates a new Application No. And all these application numbers go into the ‘Pending’ state. So, when you actually apply for one, you might get an email response saying you have a ‘previous’ application in progress.

To resolve this, you need to contact your HDFC Branch Regional manager. They have the option to remove all pending credit card applications, and then assist you with a fresh application. They might also ask you to use their employee code. Use it, it will benefit both them and you.

In the application, you will be asked to enter your details, like salaried or self-employed, company details, designation, etc. Don’t worry. These won’t be verified. These are just for records. You won’t need to submit any income proofs also, since it is a pre-approved offer for you.

Step 4 :-  Know your Lifetime Free Offer

You don't need to pay any annual or joining fees. You need to achieve some initial spending to convert your card to First Year Free and/or Lifetime Free. From time to time, HDFC Bank keeps updating its Lifetime Free criteria. You should remain updated about it at the time of applying.

Step 5: Confirm your Lifetime Free Status from HDFC Bank Customer Support

You can send an email to any one of the following addresses:

In the mail mention your name, Registered Mobile Number, and Last 4 Digits of your Credit Card account in your Email. You will get a response from their team within 2-3 days.

Note - If you don't received the offer of Pre approved even after 4 months, don't get disappointed you can still wait for few months. It is a long wait game. And if you don't get it even after 6 month then contact your nearby HDFC Regional Manager.

We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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Deal Cadet Deal Cadet
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How much minimum amount required to deposit in saving account 

Deal Subedar Deal Subedar
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For urban and metro branches, the minimum average balance is Rs. 10,000. For rural and semi-rural branches the minimum average balance is Rs. 5,000.

Deal Cadet Deal Cadet
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What about existing credit card and  account holder ? 

Deal Cadet Deal Cadet
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I am getting pre approved INDIAN OIL HDFC CC within 3 months of opening the account but the limit is just 25k should I wait for better offer or apply for CC

Deal Subedar Deal Subedar
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Its up to you
You will get HDFC CC also with 3 within there are high chances of it
Deal Cadet Deal Cadet
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I received the pre-approved offer, using Savings Max account with good balance (opened in April this year) but not able to view the card and limit, shows below error:
Looks it is due to the last time when I applied for Millennia card in Feb month.. will need to wait for 6 months to complete I guess
Deal Cadet Deal Cadet
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which card are you getting in pre approved offer...
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Deal Cadet Deal Cadet
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Finally got pre approved Millenia with 1 Lac limit 🥲

Deal Cadet Deal Cadet
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How much account balance you are maintaining? Do you have salary account or not? And after how many days of account opening you got this offer?
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Deal Hunter Deal Hunter
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Any trick to get No condition Millennia CC LTF? 

@Vladimir-Putin did you get spend based LTF or No condition LTF Millennia CC?

Deal Cadet Deal Cadet
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Spend based LTF.

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Savings Mentor Savings Mentor
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So very well written. Thank you  @oneka5

Deal Newbie Deal Newbie
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Useful info, i have opened HDFC regular savings account nearly 1 month ago especially for pre-approved CC only
Savings Mentor Savings Mentor
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Can anyone in this thread tell me if I can apply for HDFC PRE-APPROVED card with limit of 1,88,000 since I have savingsmax account if my earlier HDFC application was rejected at the end of May 2022 (before the pre-approved offer, when savings account was just opened? Does the 6 month cooldown period still apply for pre-approved HDFC CCs as well? in which case I will apply in December but my RM said the pre-approved offer is ending on 22nd Nov. Does it really expire if we don't take it?

Deal Cadet Deal Cadet
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Yes it does expire, but in a family member's case, a new offer came along which was 2x the limit and 2 tiers higher due to higher spending on the debit card. Moneyback to Diners Privelege, credit limit went from low 1L to 2.5L
Deal Lieutenant Deal Lieutenant
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Opened 2 Months back hdfc account did 1lakh worth transactions 

Received LTF Moneyback PreApproved 

Applied and approved 

Cibil - 775 

No creditcards before HDFC

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