I was recently suggested by a friend to apply for a HDFC lifetime free credit card through online application, and he said to declare my monthly credit statements as proof of income in order to be eligible. But so far I didn't have to make any such declaration on the site because the application went through anyway. So what I'm asking is, are there any chances of my application being accepted? I really want a lifetime free credit card, but if I declare my credit statements as income in my cc application, then will I have to pay tax for that later too? Btw I am an existing savings account customer of HDFC since 1 year and have maintained a good balance with them