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Updated: 29-11-2022 07:54:30 AM

HDFC Bank has set certain parameters that define an individualโ€™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

CriteriaDetails
Minimum Age21 years
Maximum Age60 years (for salaried), 65 years (for self-employed)
Minimum Income Required*Rs. 10,000 onwards
Other CriteriaShould have a regular source of income

Should have a decent credit score

Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents

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

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 bankโ€™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.ย 

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.

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 card holder, the age limit needs to be met.ย 

Other factors will 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 CardMinimum Income for SalariedMinimum Income for Self-employed
HDFC Regalia Credit CardRs. 1,00,000 p.m.ITR of more than Rs. 12 Lakh p.a.
HDFC Moneyback Credit CardRs. 25,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Millennia Credit CardRs. 35,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Times Titanium Credit CardRs. 25,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Times Platinum Credit CardRs. 35,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Clubmiles Credit CardRs. 30,000 p.m.ITR of more than Rs. 3.6 Lakh p.a.
HDFC Diners Club Rewardz Credit CardRs. 30,000 p.m.ITR of more than Rs. 3.6 Lakh p.a.
HDFC Diners Club Black Credit CardRs. 1,75,000 p.m.ITR of more than Rs. 21 Lakh p.a.
HDFC Indian Oil Credit CardRs. 10,000 p.m.ITR of more than Rs. 6 Lakh p.a.
HDFC Diners Club Privilege Credit CardRs. 70,000 p.m.ITR of more than Rs. 8.4 Lakh p.a.

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 donโ€™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.

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