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 a 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.

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

Other factors will include the purpose of the card and the city you are living in.

To check your HDFC bank credit cards eligibility at Paisabazaar within minutes, you just have to fill in your basic details. Follow the steps given below-

Step 1- Click here to go to the ‘Credit Cards’ section.

Step 2- Select your occupation (Salaried or Self-employed).

Step 3- Enter your monthly income, select the city of your residence and enter your mobile number.

After this, you will land on Paisabazaar’s credit card marketplace where you can find all the credit cards that you are eligible for, based on the information provided in the previous form. Here you can filter the options on the basis of bank, annual fees, rewards and benefits. You can also compare the best credit cards.

Step 4- Once you select a credit card, click on ‘Check Eligibility’. Now you will be required to fill out a detailed form. The information you provided before will be pre-filled. 

In case you do not meet the eligibility criteria for the selected credit card, an executive will call you to suggest some more credit cards that you may be eligible for.

Which HDFC credit card is lifetime free?

HDFC Bank offers many credit cards with 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 for HDFC credit card?

The minimum monthly salary to avail 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 in HDFC Bank?

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.