HDFC Bank Festive Offer: Lifetime Free Credit Card Offer on Millennia, Swiggy, BizGrow & Other Credit Cards

HDFC Bank has rolled out a limited-time festive promotion for popular cards like the Swiggy HDFC, Millennia, BizGrow, IRCTC, and Pixel variants lifetime free (LTF), meaning no joining or renewal fees ever.

This offer, valid until October 31, 2025, is perfect if you spend a lot on online shopping, food delivery, travel, or business expenses.

TL;DR:

• HDFC's Oct 2025 LTF offer waives fees on Millennia, Swiggy, IRCTC, BizGrow, and Pixel, apply by Oct 31 for no joining/annual costs.​
• Earn 5-10% cashback on key spends like online shopping or Swiggy, with milestones adding ₹1,000+ vouchers quarterly.​
• Eligibility needs 21+ age, ₹25k+ income, 700+ score; minimal docs for pre-approved users.​
• Ideal for first-time credit card: Builds credit responsibly without fee pressure, suiting young pros' digital lifestyles.​

Current HDFC Lifetime Free Offers in October 2025

HDFC's festive campaign, launched October 9, 2025, makes five cards LTF till October 31—no joining fee (usually ₹500-₹1,000) and zero annual renewals. This targets young users amid rising digital spends, with over 50,000 applications in the first week per industry reports.

Cards include Swiggy for foodies, Millennia for shoppers, BizGrow for freelancers, IRCTC for travelers, and Pixel for customizers.​

How to Apply?

Apply via HDFC's app or site for instant pre-approvals; activation within 37 days locks LTF status.

HDFC Millennia Credit Card LTF Offer for Oct 2025

The HDFC Millennia Credit Card, now LTF in October 2025, is a cashback powerhouse for young professionals juggling e-commerce and subscriptions.

With no fees, it earns 5% CashPoints (up to 1,000/statement) on top partners like Amazon, Flipkart, Myntra, Uber, Zomato, and BookMyShow, perfect for your weekend hauls or rides. 1% on other spends (excluding fuel/EMI), too.

Swiggy HDFC Bank Credit Card LTF Offer for Oct 2025

If you order meals via Swiggy or Instamart weekly, the Swiggy HDFC Bank Credit Card's LTF offer in Oct 2025 is a great card. You can get up to 10% cashback (up to ₹1,500/month) on Swiggy ecosystem, including Dineout, plus 5% on Amazon/Flipkart, 1% elsewhere. No fees mean pure savings, and it also includes a 3-month Swiggy One membership.​

IRCTC HDFC Bank Credit Card LTF Offer for Oct 2025

For frequent rail commuters, the IRCTC HDFC Bank Credit Card under LTF Oct 2025 offers 5% reward points on IRCTC bookings (₹100 = 5 points), 1% on other bookings, plus a 1% transaction waiver and 8 annual lounge accesses. No fees make it accessible; points can be redeemed for tickets or vouchers.​

HDFC BizGrow Credit Card LTF Offer

Young entrepreneurs will love the HDFC BizGrow Credit Card's LTF status this October, with 2 points/₹150 on business spends, 10X on bills/taxes via PayZapp (if ₹10,000 monthly), and 2,000 quarterly points on ₹1 lakh. Redeem for credit; includes ₹250 welcome voucher.​

HDFC Pixel Credit Card LTF Offer for Oct 2025

The HDFC Pixel Credit Card, LTF till Oct 31, 2025, lets you DIY via app, pick categories like Zomato or Myntra for up to 5% cashback, 1% base. Variants: Pixel Play (fun spends), Pixel Go (essentials); no fees, mobile-first.​

Pixel's flexibility suits erratic young pro spends, and can offer usable returns and rewards suiting your lifestyle.

• 5% Cashback on choice of any two packs- Dining & Entertainment Category – BookMyShow & Zomato- Travel Category – MakeMyTrip & Uber- Grocery Category – Blinkit & Reliance Smart Bazaar- Electronics Category – Croma & Reliance Digital- Fashion Category – Nykaa & Myntra
• 5% Cashback on Smartbuy
• 3% Cashback on choice of any one E-commerce merchant​​​​​​​- Amazon or Flipkart or PayZapp 
• 1% Unlimited Cashback across all other spends
• 1% Cashback on UPI Spends (Applicable only on PIXEL RuPay Credit Card holders)

Comparing HDFC LTF Credit Cards (Oct 2025)

How to Apply for HDFC LTF October Offer

Eligibility for HDFC lifetime free credit cards: Age 21-60 (salaried)/65 (self-employed), min ₹25,000-₹50,000 monthly income, 700+ CIBIL, Indian resident. Pre-approvals via HDFC app boost chances. Also, these LTF offers are only for new-to-HDFC customers and won't apply if you already hold an HDFC credit card.

Here's how to apply for these credit cards:

• Visit hdfcbank.com, select card, fill form (5 mins), upload docs, get approval in 7-15 days.
• Oct offer: Apply by 31st for LTF lock.
• Tip: Use NetBanking for faster verification. 20% higher approval chances for existing salary account holders.

Tips to Maximize Benefits from HDFC LTF Cards

Track spends via HDFC app to hit milestones without overspending—set alerts for ₹1 lakh quarterly. Redeem points promptly for max value (e.g., Amazon vouchers at 1:1). Avoid cash advances (3.6% interest) to preserve score.​

For example, combine Swiggy with Millennia for hybrid rewards on food+shopping. Layer cards (e.g., IRCTC for travel, Pixel for rest) may yield more returns than single-card use, ideal for diverse young pro lifestyles, backed by forum analysis across Reddit & TechFino.

Frequently Asked Questions

What is the HDFC lifetime free credit card offer in October 2025?

HDFC has waived fees on select cards like Swiggy and Millennia until Oct 31, 2025; no joining/annual renewal fees, with cashback up to 5-10% on partners.​

Who qualifies for HDFC LTF credit cards as a first-time user?

You must not have an existing HDFC credit card. Salaried youth aged 21-60 with ₹25,000+ monthly income and 700+ credit score; self-employed up to 65 years can apply. ​

How do I apply for HDFC Swiggy LTF card online in India?

Visit hdfcbank.com, select card, upload PAN/Aadhaar/salary proof—approval in 7-15 days, activate within 30 days, and apply for LTF offer within 90 days of card setup.

Are there cashback limits on HDFC Millennia LTF benefits?

Yes, 5% up to 1,000 points/statement on partners; quarterly ₹1 lakh spend unlocks ₹1,000 vouchers, excluding fuel.​

Can I get HDFC BizGrow LTF for freelance business expenses?

Yes, if you're self-employed with a stable income, you may apply for this credit card. Having an existing relationship with HDFC Bank always helps in fast approvals.