Is your HDFC credit card really free as offered by sales executive?

Hdfc Bank credit card is no 1 with maximum no of users holding it. This is done actively marketing these cards to Hdfc bank customer base maximum of whom credit their salary in HDFC’s saving bank account.

Many people on social media complain about being charged annual fees when it was promised lifetime free by HDFC sales executive.
We’ll help you keep get this card for lifetime free if possible. These basically tricks that sales guys misses or sometime themselves don’t know.

For most HDFC card their are two ways to make it lifetime free:

1.) Spend based requirement. First is one time fees that get waived based on spending in intial first three months from card setup. This is mentioned for each credit card variant individually on product page or on the welcome letter or it’s back side.
Other is yearly requirement that is for renewal fees which comes up from second year.
Second year is requirement is mentioned in terms & conditions given below:

For HDFC Freedom Credit Card spend Rs.60,000 in a year.
Spend Rs.20,000 in a year for Bharat / Business Freedom / Business Bharat CashBack / Bharat CashBack credit card.
Spend Rs.50,000 in a year Solitaire / Titanium Edge / Platinum Edge / MoneyBack / Business MoneyBack credit card.
For AllMiles / Doctor’s Superia / Diners Club Rewardz / Regalia First / Business Regalia First / Diners ClubMiles
spend Rs.1,00,000 in a year.
Regalia / Business Regalia / Doctor’s Regalia / Diners Club Premium /JetPrivilege HDFC Bank World / Signature spend Rs.3,00,000 in a year.
For Jet HDFC Bank Titanium & Select / Times Titanium Card / Snapdeal HDFC Bank credit card spend Rs.1,50,000 in a year.
For Jet HDFC Bank Platinum / Times Platinum HDFC credit card Spend Rs.2,50,000 in a year.
For Teacher’s Platinum / Business Platinum credit card spend Rs.30,000 in a year.
For Infinia credit card spend ₹ 8 Lakh in a year.
For Diners Club Black card spend ₹ 5 Lakh in a year.

2.) Second way is to opt for any cross-sell products while applying the credit card.
These are getting addon card, making first payment on payzapp or registering a bill payment on smart pay with Standing instructions to pay via credit card.
All these ways to waive first year fees or make it lifetime free are mentioned in form itself. So make sure before applying for it you understand it and tick the correct one. Better call HDFC support for confirmation of these though it is the easiest way to get the card free.