HDFC Bank has introduced a limited-time offer for a lifetime free on three of its most popular credit cards: Millennia, Swiggy HDFC, and BizGrow. This means new applicants will not pay any joining or annual fees for the card’s lifetime.
The exact offer duration has not been officially announced. However, past lifetime-free promotions from the bank have usually lasted a few weeks during the festive season. Customers should apply through HDFC’s official channels or check for details on the HDFC Bank website and reliable financial news sources.
All other standard credit card charges, including interest, late payment fees, and foreign transaction fees, still apply according to the bank’s schedule. This initiative shows HDFC’s ongoing plan to grow its credit card offerings and attract new customers during the busy festive season.
HDFC Swiggy Credit Card Lifetime Free
The Swiggy HDFC Credit Card is a favorite among the bank’s offerings, especially for young people. Those living away from home or who love eating out can save significantly with this card, since it provides 10% cashback for purchases on the Swiggy app, including Swiggy Food Delivery, Instamart, and Dineout. Many cardholders use this card during the festive season to buy gold coins, earning 10% cashback, capped at ₹1,500 per statement cycle.
Additionally, the card offers 5% cashback on major online platforms like Flipkart and Amazon, plus 1% cashback on other eligible expenses. Normally, this card has an annual fee of ₹500, but during this limited-time offer, it is available for life free to everyone.
HDFC Millennia Credit Card Lifetime Free
The HDFC Millennia Credit Card is a well-known cashback card celebrated for its straightforward structure and rewarding perks. This card gives 5% cashback on ten of India’s most popular merchants, including Amazon, BookMyShow, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, plus 1% cashback on all other eligible expenses.
It’s perfect for anyone with varied online spending habits, ensuring cashback on nearly every transaction. The Millennia Credit Card also rewards high spenders with milestone benefits. Cardholders who spend ₹1 lakh each quarter receive gift vouchers worth ₹1,000.
HDFC BizGrow Credit Card Lifetime Free
The HDFC Bank BizGrow Credit Card is designed for small business owners and entrepreneurs to manage their expenses while earning rewards. Currently available with no joining or annual fees, it offers 2 Cash Points for every ₹150 spent on business expenses and 10 times the Cash Points for certain categories, such as bill payments, taxes, and vendor payments. There are also milestone benefits, including 2,000 bonus points each quarter for spending ₹1 lakh. The card comes with a welcome voucher worth ₹250 and discounts on Swiggy Dineout, making it a practical option for growing businesses.
HDFC Future Outlook
HDFC Bank has been India’s largest credit card issuer for years. Seasonal lifetime-free offers help attract both salaried and self-employed customers. While users save on annual fees, they still need to check spending categories, cashback limits, and payment terms to get the most benefits. This strategy also shows HDFC’s competitive approach against newer fintech credit card products and co-branded offers. It helps HDFC stay dominant in both consumer and SME segments.
My Thoughts
HDFC Bank has launched a limited-time offer for three of its top credit cards, HDFC Millennia, Swiggy HDFC, and BizGrow. New applicants can take advantage of this deal, which waives both joining and annual fees. For many middle-class users, this is a rare chance to get some of India’s most rewarding and popular cards without ongoing charges.
Among the three, the HDFC Millennia Credit Card is a standout choice, especially for online shoppers who like simple reward conversions. Its, 1 Reward Point equals ₹1 in redemption value, and it has a wide range of merchant acceptance, making it reliable in the cashback category. Similarly, the Swiggy HDFC Credit Card is a smart choice for everyday users who often spend on food delivery and online services, offering 10% cashback within the Swiggy platform.
While HDFC Bank has not provided details about how long this lifetime-free promotion will last, similar past offers usually run for a few weeks during the festive season. Interested applicants should apply through official HDFC Bank channels and confirm the offer details before moving forward.
About The Author
