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HDFC Credit Card Eligibility

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Updated: 19-09-2025 12:26:51 PM

HDFC Bank has set certain parameters that define an individual’s eligibility, including the age of the applicant, employment status, credit score, etc. You can only avail a credit card from HDFC Bank, if you meet the following HDFC Bank Credit Card Eligibility Criteria:

HDFC Bank Credit Card Eligibility Criteria
Criteria Details
Minimum Age 21 years
Maximum Age 60 years (for salaried), 65 years (for self-employed)
Minimum Income Required* Rs. 10,000 onwards
Other Criteria Should have a regular source of income

Should have a decent credit score
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

*The minimum income requirement is different for different HDFC credit cards.

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Factors Affecting HDFC Credit Card Eligibility
Income Eligibility for Top HDFC Credit Cards
FAQs

Factors Affecting HDFC Credit Card Eligibility

Here are a few factors that affect your eligibility for HDFC credit cards:

Income: Banks pay attention to the income of the applicant to ensure their repayment capacity. If your income satisfies the bank’s criteria, then you will be eligible to get a credit card. For example, someone earning Rs. 50,000 per month is eligible for a different type of card than a person earning Rs 25,000 per month.

Existing Relationship with the Bank: If applicants have existing salary or savings accounts with the bank, then the chances of getting approved for a credit card are higher. 

Credit History: A good credit history is proof that you can manage your credit well. This helps in getting a credit card easily. To track the past credit record, banks refer to the CIBIL score of the applicant.

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Age: You will need to be at least 18 years old to apply for an HDFC Bank credit card. Even if you are an add-on credit cardholder, the age limit needs to be met. 

Other factors that might affect your HDFC credit card eligibility can include the purpose of the card and the city you are living in.

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Income Eligibility for Top HDFC Credit Cards

Credit Card Minimum Income for Salaried Minimum Income for Self-employed
HDFC Regalia Credit Card Rs. 1,00,000 p.m. ITR of more than Rs. 12 Lakh p.a.
HDFC Moneyback Credit Card Rs. 25,000 p.m. ITR of more than Rs. 6 Lakh p.a.
HDFC Millennia Credit Card Rs. 35,000 p.m. ITR of more than Rs. 6 Lakh p.a.
HDFC Times Titanium Credit Card Rs. 25,000 p.m. ITR of more than Rs. 6 Lakh p.a.
HDFC Times Platinum Credit Card Rs. 35,000 p.m. ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Club Black Credit Card Rs. 1,75,000 p.m. ITR of more than Rs. 21 Lakh p.a.
HDFC IndianOil Credit Card Rs. 10,000 p.m. ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Club Privilege Credit Card Rs. 70,000 p.m. ITR of more than Rs. 8.4 Lakh p.a.

Also Check: HDFC Infinia Credit Card

FAQs

Which HDFC credit card is lifetime free?
HDFC Bank offers many credit cards with an annual fee waiver. It also offers credit cards that don’t charge an annual fee if the user sets up standing instructions to pay their utility bills, postpaid bills, or insurance.

What is the minimum salary requirement to be eligible for HDFC credit card?
The minimum monthly salary to get an HDFC credit card is Rs. 10,000.

Can we take cash from HDFC credit card?
Yes, customers can withdraw cash using their HDFC Bank credit card. However, a cash withdrawal fee and finance charges will be levied on the withdrawn amount.

What is the minimum amount due for HDFC Bank credit cards?
The minimum amount that customers have to pay on their HDFC Bank credit card is 5% of the outstanding amount or Rs. 200, whichever is higher.

Is a good CIBIL score mandatory for the approval of HDFC credit card?
Yes, a good CIBIL score is usually mandatory for credit card approval, as it reflects your repayment history and creditworthiness. Generally, a score of 750 or above improves the chances of approval.

Can I get an HDFC credit card without income proof?
It is difficult to get a credit card without income proof since banks need to assess your repayment capacity. However, in some cases, cards against fixed deposits can be issued without income documents.

Does HDFC approve credit cards for first-time applicants?
Yes, HDFC does approve credit cards for first-time applicants, provided they meet basic eligibility criteria. A secured credit card against a fixed deposit is often an ideal choice for beginners.

Can students apply for HDFC credit cards?
Students usually cannot apply for HDFC credit cards without income or credit history. However, they can consider getting a secured credit card against a fixed deposit to start building their credit profile.


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