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.

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 However, a cash withdrawal fee and finance charges will be levied on the withdrawn amount.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.