Question: How Can I Get An HDFC Regalia Credit Card For Free For A Lifetime?

Which credit card is better than HDFC regalia?

Comparison of the Fee – HDFC Infinia vs HDFC RegaliaBasis of DifferenceHDFC InfiniaAnnual Membership Fees₹10000 Plus Applicable TaxesAnnual Renewal Fees₹10000 Plus Applicable TaxesRenewal Fees Waiving Off CriteriaSpend more than ₹8 Lacs in a year and waive off the Renewal Fees..

How can I make my HDFC millennia credit card lifetime free?

1st Year – 1,000.Waived on completing 2 transactions in a month for first 3 consecutive months.2nd Year Onwards – 1,000.Waived if annual spends > 1 lakh.Lifetime FREE on completing 4 transactions of 500+ in a month for first 3 consecutive months.

Is HDFC millennia credit card good?

To meet this very need, HDFC Bank has recently launched its Millennia Credit Card that provides bonus CashPoints on online shopping, lounge access, cashback on all spends and more, all at an annual fee of only Rs. 1,000. With multi-faceted benefits, it can be a good match for many.

Should I pay an annual fee for a credit card?

You want better cash-back rewards It can make sense to pay a card’s annual fee when the cash you’ll earn back will outweigh the cost of that fee.” … Even with the annual fee, you’ll net more overall on the Blue Cash Preferred® Card from American Express if you spend at least $61 a week on groceries.

Which bank credit card is best?

List of 10 Best Credit Cards in India for 2020Top 10 Credit CardsAnnual FeeBest Suited ForStandard Chartered Super Value Titanium Credit CardRs. 750Shopping and CashbackHDFC Regalia Credit CardRs. 2,500Travel and DiningAmazon Pay ICICI Bank Credit CardNilShoppingSimplyCLICK SBI CardRs. 499*Online Shopping6 more rows•6 days ago

Which is the best lifetime free credit card?

10 Best Lifetime Free Credit Cards in India 2020ICICI Instant Platinum Credit Card.HSBC Visa Platinum Credit Card.Citibank Rewards Domestic Credit Card.SBI Unnati Credit Card.ICICI Amazon Pay Credit Card.Kotak Royale Signature Credit Card.Axis Bank Insta Easy Credit Card.IndianOil Citibank Platinum Credit Card.More items…•

What is HDFC smart pay?

SmartPay is a customer friendly feature that allows you to automatically make all your utility bill payments through your HDFC Bank Credit Card. You can use SmartPay to pay your electricity bills, telephone bills, mobile phone bills, water bills, gas bills and insurance premiums.

Can you cancel credit card before annual fee?

Some card issuers will refund your fee if you close your accounts and it’s been fewer than 30 or 60 days. It’s best to make your decision early and avoid the potential charge by closing your account before the annual fee hits.

How bad is it to cancel a credit card?

A credit card can be canceled without harming your credit score⁠—paying off your balances first is key. Closing a credit card will not impact your credit history, which factors into your score.

Which HDFC credit card is lifetime free?

Exclusive Festive Pricing Condition valid Between November 1 2020 to December 31,2020Credit Card ProductAnnual Membership feesDefault Pricing conditionMoneybackRs.500/- feeLife Time freeBusiness MoneybackMillennia credit cardRs.1,000/- feeRegaliaRs.2,500/- fee12 more rows

Which HDFC credit card is better?

Top 10 HDFC Credit Cards in India for 2020Credit CardAnnual Fee (in Rs.)Best Suited ForHDFC Regalia Credit Card2,500Shopping & TravelHDFC MoneyBack Credit Card500Rewards & ShoppingHDFC Millennia Credit Card1,000CashbackHDFC Titanium Times Credit Card500Movies & Dining6 more rows•5 days ago

How can I avoid paying my credit card annual fee?

The good news is that it’s possible to have a credit card with great benefits and avoid paying an annual fee.Ask for the fee to be waived. … Use your rewards to make up for the fee. … Switch to a different card. … Get a card with no annual fee. … Get a card that waives the fee. … Cancel the card.

Which credit card is best without annual fee?

Best Credit Card in India with No Annual Fee:Credit CardBest ForHSBC Visa Platinum CardDining, Shopping, FuelIndusInd Bank Platinum CardTravel, Golf, Entertainment, FuelYES Prosperity EdgeOnline and International spendsKotak Fortune Gold Credit CardHigh cash limit, Fuel, Movie tickets5 more rows

Is SBI credit card free?

Though the annual fee is Rs. 499, it is free for the first four years. This means that it is a Zero Fee Credit Card for the initial 4 years….Fees and Charges of Lifetime Free SBI Unnati Credit Card.Type of feeChargesAnnual feeFree for the first four yearsRenewal feeRs.499 from the fifth year onwards12 more rows

What is the maximum limit of HDFC regalia credit card?

Rs.2 LakhsHDFC Regalia Credit Card Limit: Rs. 2 Lakhs – Rs. 5 Lakhs. HDFC Diners Club Rewardz Credit Card Limit: Rs.

Which card is better regalia or regalia first?

From above comparison chart, it’s quite evident that though Regalia and Regalia share the similar features, the benefits in Regalia First are lower than Regalia. This is quite expected as Regalia has higher income eligibility criteria and annual fees than Regalia First.

How do I know if my credit card is lifetime free?

You could also look for the words “Lifetime Free” or “LTF” in the card application form. This means that you will not have to pay annual charges till you continue to use the card. Interest rate: For credit cards, generally interest rates are 22-48% per annum.

Which credit card is best HDFC or SBI?

Credit Card Comparison of All BanksCredit CardInterest Charge Per MonthJoining FeeSBI2.50% to 3.35%Nil to ₹ 4,999HDFC Bank1.99% to 3.50%Nil to ₹ 10,000Axis Bank2.50% to 3.40%Nil to ₹ 10,000Citibank3.10% to 3.25%₹ 500 to ₹ 20,0003 more rows

Is Regalia first credit card good?

HDFC Regalia First Credit Card offers its users with excellent rewards and benefits on shopping, travel and entertainment. Airport lounge access and exclusive dining privileges add to its benefits. In its fee range, HDFC Regalia First Credit Card is one of the best options.

Is HDFC regalia credit card free?

HDFC Regalia Credit Card is among the most popular credit cards by HDFC Bank. The card charges an annual fee of Rs. 2,500 with easy waiver conditions and is best suited for frequent shoppers, travelers, and diners. Cardholders will also enjoy benefits under an excellent rewards program.

What is the best cashback credit card with no annual fee?

Best cash-back cards with no annual feeCategoryCredit CardEstimated rewards earned after five yearsWinnerChase Freedom Unlimited® Card$2709Runner-UpCiti® Double Cash Card$2213Best for Rotating Bonus CategoriesChase Freedom Flex℠$2647Best for Online ShoppingPayPal Cashback Mastercard®$22133 more rows