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How to Apply for an HDFC Lifetime Free Credit Card Online

Applying for an HDFC Lifetime Free Credit Card online can be a convenient and hassle-free process. With a range of benefits and features, this credit card is designed to enhance your financial experience. In this article, we will explore the key benefits, eligibility criteria, required documents, and steps to apply for an HDFC Lifetime Free Credit Card online.

Key Takeaways

Benefits of HDFC Lifetime Free Credit Card

Cashback Offers

With your HDFC Lifetime Free Credit Card, you can enjoy a plethora of cashback offers that make every transaction more rewarding. Maximize your savings with each purchase, whether you’re shopping online or at your favorite retail stores. The cashback benefits are designed to cater to a wide range of categories including dining, shopping, and bill payments.

Cashback is not just a perk; it’s a smart way to stretch your budget. Here’s a glimpse of what you can expect:

Remember, the cashback you earn can be used to offset your credit card bill, making it an effective way to reduce your monthly expenses. Keep an eye on Reijiro’s updates for the latest cashback deals exclusively for HDFC cardholders.

Travel Benefits

When you’re bitten by the travel bug, the HDFC Lifetime Free Credit Card becomes your best companion. Enjoy the luxury of travel-related perks that make every journey more rewarding. Save significantly on airfare and hotel bookings, making your travel experiences both memorable and affordable.

Complimentary airport lounge access is just the tip of the iceberg. You’ll also benefit from exclusive deals on car rentals and travel insurance, ensuring a hassle-free trip every time. Here’s a quick rundown of the travel benefits you can expect:

Remember, with the HDFC Lifetime Free Credit Card, your travel benefits extend beyond mere savings. They enrich your travel experience, adding comfort and convenience to every trip you take.

Reward Points Program

With the HDFC Lifetime Free Credit Card, you’ll find that spending is not just about transactions, but also about making every purchase rewarding. Earn points on every spend, which can be redeemed for a variety of exciting rewards. Whether you’re shopping for groceries or booking a flight, your HDFC card ensures that you’re always getting more value out of your expenses.

Redeeming your points is straightforward and can be done through the HDFC Bank’s dedicated rewards portal. Here’s a quick rundown of how you can make the most of your reward points:

Remember, the more you use your HDFC Lifetime Free Credit Card, the more reward points you’ll accumulate, enhancing the benefits of your financial activities in Jawhar.

Make sure to review the terms and conditions for the points program to understand the validity and conversion rates for your points. This way, you’ll maximize the benefits without missing out on any opportunities.

Eligibility Criteria for HDFC Lifetime Free Credit Card

Income Requirement

To be eligible for the HDFC Lifetime Free Credit Card, you must meet certain income requirements. Your financial stability is crucial for approval, as it assures the bank of your repayment capability. Typically, HDFC Bank mandates a minimum annual income, which can vary based on the type of credit card you’re applying for.

It’s important to check the latest income criteria on the Reijiro website, as these requirements are subject to change and may differ based on the latest policies of HDFC Bank.

Remember, meeting the income requirement is just one aspect of the eligibility criteria. Your overall financial profile, including your credit score and existing debts, will also be taken into consideration.

Credit Score

Maintaining a healthy credit score is crucial when applying for the HDFC Lifetime Free Credit Card. Your credit score reflects your creditworthiness and impacts the approval of your application. It’s a numerical expression based on an analysis of your credit files, signifying your ability to repay debts.

A good credit score is typically above 750, but don’t be discouraged if yours is slightly lower. HDFC Bank considers various factors beyond just your credit score. However, a higher score improves your chances of approval and may even grant you access to better credit terms.

Remember, a credit score is not static; it changes with your financial behavior. Paying bills on time, maintaining low credit utilization, and avoiding unnecessary loans can help boost your score over time.

Age Limit

Meeting the age requirement is a crucial step in securing your HDFC Lifetime Free Credit Card. You must be at least 21 years old to apply, but not older than 60 if you’re salaried, and 65 for self-employed individuals. This ensures that you are considered legally competent to enter into a credit agreement and have potentially stable income sources.

Age is more than just a number when it comes to credit cards; it’s about financial responsibility and reliability. Make sure you fit within the age bracket before proceeding with your application.

Remember, adhering to the age limit is essential for a successful application.

Reijiro understands that keeping track of eligibility criteria can be daunting. That’s why we’ve summarized the age requirements for your convenience:

Documents Required for HDFC Lifetime Free Credit Card Application

Proof of Identity

When applying for your HDFC Lifetime Free Credit Card through Reijiro, one of the primary documents you’ll need is a valid proof of identity. This is crucial to verify your identity and prevent any fraudulent applications.

Proof of identity can include any government-issued identification that has your photo on it. Below is a list of acceptable documents:

Ensure that the document is valid and not expired at the time of application. The name on your proof of identity should match the name you provide in your application form.

Remember, the clarity of the documents you upload is essential. Blurry or unclear images may lead to the rejection of your application, so take the time to scan or photograph your documents properly.

Proof of Address

When applying for the HDFC Lifetime Free Credit Card through Reijiro, you’ll need to provide a valid Proof of Address. This is a crucial step to confirm your residency and ensure that all correspondence reaches you without any hitches. Ensure that the document you submit is current and contains your full name as it appears on your application.

The following are acceptable forms of Proof of Address:

Remember, the document should not be more than 3 months old. If you’re submitting a bank statement or passbook, it should also reflect some recent transactions to be considered valid.

Income Proof

To complete your application for an HDFC Lifetime Free Credit Card, you’ll need to provide evidence of your income. This is a crucial step to ensure that you meet the bank’s income requirements for credit card approval. Submit your latest salary slips or income tax returns as proof of your steady income.

For self-employed individuals, the bank may require additional documents such as profit and loss statements or audited financials. Ensure that all documents are clear and legible to avoid any delays in the processing of your application.

HDFC Bank is committed to providing a seamless application process. On the Reijiro website page, you’ll find a variety of financial services, including credit cards, which are designed to cater to your financial needs. Remember, submitting accurate and complete income proof is essential for a successful credit card application.

Steps to Apply for HDFC Lifetime Free Credit Card Online

Visit HDFC Bank Website

To begin your journey towards acquiring an HDFC Lifetime Free Credit Card, the first step is to navigate to the official HDFC Bank website. Here, you’ll find a comprehensive suite of financial services at your disposal. Ensure you’re on the correct website to avoid any security issues.

Once on the HDFC Bank homepage, look for the credit cards section. This is typically found under the ‘Products’ tab or through a quick search on the site. The website offers various financial services including Aadhar-enabled payment services, credit cards, demat accounts, personal loans, and bank account openings.

It’s crucial to have all your personal information on hand before you start the application process to streamline your experience.

Follow these simple steps to locate the credit card application:

  1. Click on the ‘Products’ tab.
  2. Select ‘Cards’.
  3. Choose ‘Credit Cards’ from the dropdown menu.
  4. Look for the ‘Lifetime Free Cards’ option to proceed.

Fill in the Online Application Form

Once you’ve navigated to the HDFC Bank website, you’ll find the online application form for the lifetime free credit card. It’s crucial to fill in all the required fields with accurate information to avoid any delays in the processing of your application. Ensure that the details you provide match those in your official documents.

The form will ask for personal details such as your name, address, contact information, and employment details. You’ll also need to provide financial information, which includes your income level and any existing credit card accounts. Be meticulous when entering this data, as it will be used to evaluate your eligibility.

Reijiro reminds you that the HDFC Bank website offers a wide range of financial services, including Aadhar-based payments, credit cards, personal loans, demat accounts, and bank account openings. This is your one-stop destination for all your financial needs.

After submitting the form, you will receive a reference number. Keep this number safe as it will be required for any future correspondence regarding your application.

Upload Required Documents

Once you’ve filled in the online application form, the next step is to upload the necessary documents. Ensure that all documents are clear and legible to avoid any delays in the processing of your application. You’ll need to provide digital copies of your proof of identity, address, and income proof.

HDFC Bank may require additional documents based on your employment type and other factors. Here’s a quick checklist to help you gather your documents:

Remember, submitting accurate and complete documentation is crucial for a smooth application process.

After uploading, review your documents once more to ensure everything is in order. If you encounter any issues or have questions, HDFC’s customer support is available to assist you. With your documents submitted, you’re one step closer to enjoying the benefits of your new credit card.


In conclusion, applying for an HDFC Lifetime Free Credit Card online is a convenient and straightforward process. By following the steps outlined in this article, you can easily navigate the application process and enjoy the benefits of a lifetime free credit card. Remember to review the eligibility criteria, gather the required documents, and fill out the online application form accurately. If you have any questions or need assistance, don’t hesitate to reach out to HDFC customer service. Take advantage of this opportunity to access a credit card with no annual fees and enjoy the convenience it offers for your financial transactions.

Frequently Asked Questions

What are the benefits of the HDFC Lifetime Free Credit Card?

The benefits include cashback offers, travel benefits, and a reward points program.

What is the income requirement for the HDFC Lifetime Free Credit Card?

The income requirement varies and is specified by HDFC Bank.

How can I check my credit score for the HDFC Lifetime Free Credit Card application?

You can check your credit score through credit bureaus or online platforms.

Are there any annual fees associated with the HDFC Lifetime Free Credit Card?

No, the card is lifetime free, meaning there are no annual fees.

Can I apply for the HDFC Lifetime Free Credit Card online if I am below the age limit specified?

No, you must meet the age limit criteria to apply for the card online.

How long does it take for HDFC Bank to process the HDFC Lifetime Free Credit Card application?

The processing time may vary, but HDFC Bank typically processes applications within a few working days.

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