HDFC Bank Credit Cards is currently offering a limited-time promotion, allowing you to sign up for select HDFC Bank Credit Cards for lifetime free. Let’s go over the details.
Some HDFC Bank Credit Cards are being offered lifetime free through October 31, 2025
Select mid-tier HDFC Bank Credit Cards are offered for a lifetime at no cost if you sign up for them between October 9, 2025 (although the offer terms and conditions put the date as January 19, 2025). The cards included in the offer are:
- HDFC Bank Swiggy Credit Card: This is one core card from HDFC Bank that serves as a great cashback card for all purposes, not just the food you order or pay for on Swiggy. You get 10% cashback up to INR 1500 per billing cycle for Swiggy properties, another 5% cashback on various online properties, including Amazon, Flipkart and Myntra. And everything else earns a 1% cashback. Additionally, there is a free Swiggy One code for 3 Months included, along with some golf.
- Millennia Credit Card: The HDFC Bank Millennia Credit Card is a cashback card. You get 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato, while there is a 1% cashback on all other spends (except Fuel, Wallet, EMI and Government transactions). You also get INR 1000 gift vouchers or Lounge Access on quarterly spending of INR 1,00,000 and above each calendar quarter. Apply here.
- BizGrow Credit Card: The HDFC Bank BizGrow Credit Card is for self-employed and small business owners. With the BizGrow Credit Card, you can earn 10X Cashpoints for bill payments. You earn 2 Cash Points on every INR 150 spent for your business. Additionally, as long as you spend INR 10,000 in a month, you get 10X Cash Points on your select Business spends such as Bill Payment via Payzapp & SmartPay, Income Tax/ Advance Tax payment, GST payment, Hotel & flight booking on MMT MyBiz, Dmart and Cleartax. You also earn 2000 CashPoints every quarter on your quarterly spending of INR 1,00,000. (On all retail spends excluding rent and petrol). You can redeem your CashPoints against statement credit. Apply Here.
- IRCTC Credit Card: This one is for the railway users. You earn 5 Reward Points for every INR 100 spent on the IRCTC ticketing website and the Rail Connect App. Additionally, you get 1 Reward Point for every INR 100 spent on all other spends. Additionally, there are eight complimentary accesses to select IRCTC Executive Lounges every year and 1% Transaction charge waiver on transactions done on the IRCTC ticketing website and the Rail Connect App.
- Pixel Credit Card: HDFC Bank Credit Cards launched PIXEL last year—its first end-to-end mobile app-based, customisable, DIY digital card range. Through PIXEL, the Bank empowers customers with customisation and choice by allowing them to select their preferred categories and favourite merchants/platforms, such as Zomato, Myntra, MakeMyTrip, Amazon, BookMyShow, and Flipkart, among others. By doing so, customers can earn accelerated cashback on their spending from these merchants/platforms.
Apply for An HDFC Bank Personal Credit Card / Business Credit Card
Bottomline
HDFC Bank is offering lifetime free credit cards, including the Swiggy, BizGrow, Millenia and IRCTC Cards. You can check your eligibility and apply for the offered cards here. The offer is valid for applications made through October 31, 2025.
What do you think of the LTF offers from HDFC Bank Credit Cards? Will you apply?
Liked our articles and our efforts? Please pay an amount you are comfortable with; an amount you believe is the fair price for the content you have consumed. Please enter an amount in the box below and click on the button to pay; you can use Netbanking, Debit/Credit Cards, UPI, QR codes, or any Wallet to pay. Every contribution helps cover the cost of the content generated for your benefit.
(Important: to receive confirmation and details of your transaction, please enter a valid email address in the pop-up form that will appear after you click the ‘Pay Now’ button. For international transactions, use Paypal to process the transaction.)
We are not putting our articles behind any paywall where you are asked to pay before you read an article. We are asking you to pay after you have read the article if you are satisfied with the quality and our efforts.
Could you please share the link to the offer? I couldn’t locate it in this article or on the HDFC Bank website, which has recently undergone a revamp.
@Prashant, each card has been linked to the respective card offer. You should see the details when applying.
Oh, I presumed those were linked to the respective credit card reviews, and I’m guessing many other readers would too, which could be reducing the CTR.
Maybe use an “Apply Here” link at the end like you’ve done for Millennia and BizGrow: solid, clear CTA there.