HDFC Credit Card Eligibility

HDFC Bank offers exclusive credit cards for travel, lifestyle, dining, shopping, cash back and many more. These HDFC credit cards come with a huge list of benefits and add-on features which make them quite popular among people. However, to be able to own them, applicants have to meet the eligibility criteria set by the bank.

HDFC Bank has set certain parameters for age of the applicant, employment status, etc. In a nutshell, these are the HDFC Bank Credit Card Eligibility Criteria that the applicant should meet-

Key Highlights of HDFC Credit Card Eligibility
Minimum Age	21 years
Maximum Age	60 years
Minimum Income Required	Rs. 13,500*
Other Criteria	Should have a regular source of income Should have a decent credit score

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

HDFC Credit Card Eligibility Criteria

HDFC Bank has set certain eligibility criteria to be eligible for HDFC Bank Credit Card:

• The applicant should meet the age criteria of the Bank. Age criteria help banks to make an estimate of the earnings of the applicant and his repayment capacity. For instance, a person who is 55 years of age would have lesser chances of repaying credit dues after a period of time than a person who is 30 years of age.
• He must have a regular income source which should meet the minimum income requirements of the bank. Income is one of the criteria, as this helps banks to decide about the maximum limit of the credit card to be allotted to an applicant.
• Also, the applicant must have a decent credit score and no default payments.

The HDFC bank credit card eligibility criteria are further based upon the employment type of the credit card applicant- salaried and self-employed.

HDFC Credit Card Eligibility Criteria for Salaried Individuals

Age Criteria

• The minimum age for a salaried credit card applicant is 21 years.
• The maximum age for a salaried credit card applicant is 60 years.

Regular income Source

• A salaried credit card applicant must have a regular monthly income.
• Also, his income should satisfy the minimum income criteria of HDFC credit card.

HDFC Credit Card Eligibility Criteria for Self-employed Individuals

Age Criteria:

• The minimum age for a salaried credit card applicant is 21 years.
• The maximum age for a salaried credit card applicant is 60 years.

Regular income Source

• A salaried credit card applicant must have a regular monthly income.
• Also, his income should satisfy the minimum income criteria of HDFC credit card.

HDFC Credit Card Documents Required

Documentation is also an important part of HDFC credit card eligibility. Documents required for HDFC Credit Card Application include Identity Proof, Address Proof and Income Proof. Following documents are accepted by the bank:

Proof of Identity	PAN Card Aadhaar Card Voter’s ID Card Passport Driving Licence Any other government approved photo ID
Proof of Address	Aadhaar Card Passport Utility bills (not more than 3 months old) Any other government approved ID
Proof of Income	Bank statement for the last 3 months Salary slips for the last 3 months Audited financials for the last two years (for self-employed) Form 16

Factors Affecting Your HDFC Credit Card Eligibility

To know if you are eligible for HDFC Bank credit card, you can check whether you meet HDFC Credit Card Eligibility Criteria as mentioned above. Here are a few factors that affect your eligibility and what impact they may have on your credit card.

Income of the Applicant: Banks pay much attention to the income of the applicant before approving their application to ensure their repayment capacity. If the income of the applicant falls in a high scale set by the bank, he is eligible to get more credit limit and vice versa.

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. This is because banks can easily track income details & other expenses via existing accounts easily.

Past Credit History: If an applicant has a poor track of repayment for other bills in the past, banks generally hesitate to offer a credit card to that person. To track the past credit record, banks refer to CIBIL score of the applicant.

Age of the Applicant: Age of the applicant is also one of the factors that decide the eligibility of a person to get HDFC Bank credit card. For a person above 55 years of age would get less credit limit as compared to the person who is between 18-35 years. Age is one of the factors because it defines repayment capacity of the credit card holder.

Check HDFC Credit Card Eligibility at Paisabazaar

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

Step 1- Visit our website and 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. You would have to provide your name, date of birth, employer’s name, pin code, etc.

Once you fill out the form and submit, the application process is completed. 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.