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While each HDFC card offers a unique set of advantages, the majority of HDFC Bank credit cards have some characteristics. HDFC credit cards have several essential factors.
Every credit card issuer has specific requirements for qualifying, which can differ for each credit card type. Before applying for your preferred card, it is advisable to confirm that you fulfil the eligibility standards, such as the minimum income and age limit, to reduce the possibility of your application being denied, which could impact your credit score. To apply for an HDFC credit card, you must meet the following standard eligibility requirements and provide the necessary documentation throughout the credit cards application procedure:
Age: Between 21 years and 65 years
Required Documents: If you want to see the documents that HDFC Bank accepts, click this link.
Employment: salaried or self employment
For some of the best HDFC credit cards, the following minimum income is required:
| Credit Cards | Net Monthly Income for Salaried |
ITR per annum for Self Employed |
|---|---|---|
| IndianOil HDFC Bank Credit Card | > Rs. 10,000 | > Rs. 6 lakh |
| Swiggy HDFC Credit Card | > Rs. 15,000 | > Rs. 6 lakh |
| HDFC Bank Millennia Credit Card | > Rs. 35,000 | > Rs. 6 lakh |
| HDFC Regalia Gold Credit Card | > Rs. 1 lakh | > Rs. 12 lakh |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | > Rs. 1.2 lakh | > Rs. 14.4 lakh |
The table below lists a few common HDFC credit card fees and charges:
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Caries for every credit card issued by HDFC bank. |
| Finance Charges | Up to 3.75% p.m. | 45% p.a. (varies from card to card) |
| Late Payment Fee |
For Outstanding Balance of- Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs 100 Rs. 501 to Rs. 1,000: Rs. 500 Excluding Infinia (Metal Edition) Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300 |
A. There are several ways to pay your credit card bill. You have several options for making payments: cash deposits at HDFC Bank branches or ATMs, checks, demand drafts, HDFC Bank Mobile Banking, NetBanking, PayZapp, NEFT/RTGS/IMPS, and Bill Desk. To ensure smooth payments, select the one that best fits your needs.
A. A credit card issued by HDFC Bank can have its limit increased in a number of ways, including:
A. If you meet other qualifying requirements, you might be able to apply for an HDFC Bank credit card without having a CIBIL score.
A. A high debt-to-income ratio is often referred to as a reason for HDFC credit card denials. A quick glance at your CIBIL score is all the lender needs to determine this ratio.
A. A credit card loan is one that has been pre-approved. The money is sent into your account right away, and there is no paperwork or processing involved. For instance, if you have an HDFC Bank account, you can access your NetBanking account and see if you qualify for a loan against your credit card.
A. Login to HDFC NetBanking or the HDFC mobile app to use your HDFC credit card points. Go to the “Cards” area, choose “Redeem Reward Points,” and peruse the rewards list. Select the item or coupon that you want, make sure it’s what you want, then finish the procedure. Each type of card has different redemption options.