Hi, I received an upgrade offer from HDFC to switch from Regalia to Regalia Gold with an annual fee of ₹0 and first-year free (FYF). Is this offer Lifetime Free (LTF)?
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@MerlinMathew Yes, your offer appears to be Lifetime Free (LTF). Since your annual fee is stated as ₹0, it implies no fees in subsequent years as well. The mention of “Zero fee for the first year” seems unnecessary because, for LTF cards, it’s already understood there are no future charges. This differs from FYF offers where fees apply starting from the second year.