Converting HDFC Bank Credit Card To LTF - Is it...

Converting HDFC Bank Credit Card To LTF - Is it possible?

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Hello Guys, 🙏

Recently HDFC offered me pre-approved offer for credit card and the same was accepted by me and the card was processed subsequently.

They gave me a Moneyback Credit Card (Yes I know it’s very basic but it’s my first card and I’ll use it to build credit score) toungueout

Now I can’t understand how can I make the card Life Time Free (Do note that I already have a bank account with them also still it isn’t LTF).

Some dimers asked me to e-mail them.

Upon emailing the customer care team, they replied and told me that I am eligible and can make it LTF by Opting for Smartpay excluding pre-paid mobile for minimum 90 days (Which I already did for 1 electricity bill but the bill isn’t in my name & I heard that bill MUST be in my name) or by Opting for Oneassist or by doing ₹500*4 transactions each month for 3 consecutive months.

However I am not able to understand if wallet transactions (Paytm Mobikwik) are counted within the ₹500 one and also I didn’t come across any dimer yet who has converted card to LTF by doing ₹500*4 transactions.

Funny thing is that when I’m calling up the customer care they’re saying that they don’t have the information and are asking me to follow the email if I have received it.

Is the e-mail reliable or they’re just making me fool as call support is saying they can’t see any provision of making the card LTF

I really need to convert this card to LTF as it doesn’t make sense holding such a basic card by paying fees

Please share your suggestions below it’d help me a lot smile smile

37 Comments  |  
16 Dimers
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Whatever be the result I’ll update you all regarding they made it LTF or not.

I already registered for Smartpay with 1 active electricity bill and as a precautionary measure am also doing the ₹500*4 transactions every month for 3 months smile

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Gaurav_G wrote:

Whatever be the result I’ll update you all regarding they made it LTF or not.

I already registered for Smartpay with 1 active electricity bill and as a precautionary measure am also doing the ₹500*4 transactions every month for 3 months smile

500×4 for 3 months…. This offer is not for everyone, if you get this offer. Just add it on mobikwik/paytm without worry. Any transaction will count.

As you already added electric bill on smarrpay, your card will LTF without doing anything… Just keep it active for 90 days. But if you added smartpay today then active date will start from 1 March.

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Moneyback card should be free for the ones who have account in HDFC!

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midfold wrote:

500×4 for 3 months…. This offer is not for everyone, if you get this offer. Just add it on mobikwik/paytm without worry. Any transaction will count.

As you already added electric bill on smarrpay, your card will LTF without doing anything… Just keep it active for 90 days. But if you added smartpay today then active date will start from 1 March.

Thanks a lot for your reply

The customer care team e-mailed me this

“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)"

I think that the ₹500*4 transactions may be counted for me as they themselves wrote about this in e-mail.

I’ve activated smartpay electricity bill but am unsure as bills of electricity aren’t in my name they’re different that might cause some issue wink

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andhraabbayi wrote:

Moneyback card should be free for the ones who have account in HDFC!

Unfortunately my isn’t sad

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Deal Subedar
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DTH recharge, life insurance, broadband etc options are there
visit smartpay once and add/update by your requirement

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hotchap wrote:

DTH recharge, life insurance, broadband etc options are there
visit smartpay once and add/update by your requirement

Yes I added electricity but the problem is that the name on the bill isn’t mine as mentioned in the card wink

I don’t know if that may cause any problems

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Gaurav_G wrote:

Yes I added electricity but the problem is that the name on the bill isn’t mine as mentioned in the card wink

I don’t know if that may cause any problems

yes, they say Name should match.
dont u have any other on ur names like postpaid,dth,broadband,insurance

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hotchap wrote:

yes, they say Name should match.
dont u have any other on ur names like postpaid,dth,broadband,insurance

No I only have pre-paid joy

That’s why I’m also doing the ₹500*4 transactions each month as a precautionary measure

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did you get amazon voucher of 1500? i didnt get it.

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How to check, the offer is on the card or not,, i too got
moneyback card and did 4 transactions on payment, and added electricity bill of others name, how would i get to know that i am eligible for LTF?

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AnGeK007 wrote:

How to check, the offer is on the card or not,, i too got
moneyback card and did 4 transactions on payment, and added electricity bill of others name, how would i get to know that i am eligible for LTF?

By mailing CC. Their reply is reliable

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Topsey wrote:

By mailing CC. Their reply is reliable

can u share email address?

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They say everything must be performed within 3 months or 90 days of card set up date does this mean 3 statements or 90 days from when I received the card?

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Gaurav_G wrote:

They say everything must be performed within 3 months or 90 days of card set up date does this mean 3 statements or 90 days from when I received the card?

smartpay should be registered and ativated within 90 days of card setup date. but the 4 transaction part is a bit unclear because my home branch said it is 4 transaction per 30 days from card setup date, but phonebanking told me it is 4 transaction in all the first 3 statements.
Do you have a dth? if yes, it can be easily registered for Rs. 100 per month in smartpay.

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I too applied for regalia first and the agent said it can be converted to LTF card if I opt for smartpay. I have opted for the same…let’s see

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tank_u_m8 wrote:

smartpay should be registered and ativated within 90 days of card setup date. but the 4 transaction part is a bit unclear because my home branch said it is 4 transaction per 30 days from card setup date, but phonebanking told me it is 4 transaction in all the first 3 statements.
Do you have a dth? if yes, it can be easily registered for Rs. 100 per month in smartpay.

Registered for Smartpay electricity however bill isn’t in my name sad

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i recently taken millania card. doing 500*4 transactions for 3 months to make LTF

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dinesh4ever wrote:

i recently taken millania card. doing 500*4 transactions for 3 months to make LTF

chech dm

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dinesh4ever wrote:

i recently taken millania card. doing 500*4 transactions for 3 months to make LTF

You completed 500*4 transactions in the first statement only or are you following calendar month?

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Gaurav_G wrote:

You completed 500*4 transactions in the first statement only or are you following calendar month?

04 ( FOUR ) transactions each month for 3 consecutive months – (Each transaction worth minimum INR 500)"

Kuchh nahi likha clear.. In such cases, month mostly means calendar month, which is same for all users. Stmt month is diff for each user.

In general also, hdfc seems to be moving away from stmt cycle towards calendar month system for its diners card rwds cycle.

Also its 500*4 = 2k per month.. So 6k for 3 months.

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divyeshmehta1026 wrote:

did you get amazon voucher of 1500? i didnt get it.

Only 5 days since got the card waiting for it let’s see smile

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Gaurav_G wrote:

Only 5 days since got the card waiting for it let’s see smile

Got the same card LTF in October, received Amazon voucher 90 days later.

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cadence wrote:

Got the same card LTF in October, received Amazon voucher 90 days later.

When you took the card brother & how you made it LTF?

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Gaurav_G wrote:

When you took the card brother & how you made it LTF?

I applied in October – got an offer on mail for a LTF credit card . Also 1000 Amazon voucher if I used the card 3 times. I wasn’t sure if it was really LTF so called customer care to confirm. Before card was approved they mentioned smartpay process to make it LTF. Once it was dispatched I was told that nothing is required as it is already LTF.

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Just registering the card on Smartpay will turn the card LTF…No bill payments required…

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Sushrut.B wrote:

Just registering the card on Smartpay will turn the card LTF…No bill payments required…

Added friend’s DTH Tatasky (already 1 recharge ₹150 processed but in friend’s name connection is) , LIC in my name (Premium falls due on end of March will be paid by Smartpay)

Let’s see smile

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