Here’s a detailed post on “Upgrading your HDFC Credit Card to Lifetime Free”. Discussed everything step by step top to bottom! If you are going to apply (or recently applied) for a HDFC Credit Card, you should definitely go through this post. You will find it helpful. !
Click here: How to Apply for Lifetime Free HDFC Credit Card?
UPDATE: For card sourced AFTER 01-11- 2020, the Below T&Cs are applicable:
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If the Card remains inactive and is not used for effecting any transaction for a continuous period of 3 (Three) months, the Bank reserves the right to revoke the benefit of Life Time Free status of the Card and the Bank also reserves the right to levy yearly renewal fees second year onwards with no fee being charged for the first year only.
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The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.
These rules don’t apply for HDFC Credit Cards converted to LTF before 1st November 2020.
Thank you! 
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