HDFC Credit Cards Eligibility

HDFC Credit Cards Eligibility

HDFC offers a wide range of credit cards to cater to your varied needs. Right from travel, food, entertainment to shopping, HDFC credit cards cover all. But before you apply for any of these credit cards, it is important for you to know their eligibility. Yes, you have to meet the required eligibility criteria set by the lender to avail of these cards. We have picked some of the most popular credit cards and before you apply for any of them, it would be advisable to know HDFC credit card eligibility. 

Card NameFee & ChargesWelcome BenefitsFeatures & RewardsEligibility
HDFC Bank Regalia CardFirst Year Membership Fee: Rs. 2,500 + GST, Renewal Membership Fee: Rs.2500 + GSTZomato Gold Membership,2500 Reward Points and renewal benefit of 2500 Reward Points √ Airport Lounge Access
√ 1% fuel surcharge waiver on a minimum transaction of Rs.400
√ 24X7 travel concierge assistance
√Rs.15 lakh Cover for any medical emergency while traveling within India and outside the country
√Minimum Age of an applicant should be 21 to 60 Years (Salaried), 21 to 65 (Self-employed)

√Minimum Income as per bank’s norms
HDFC Bank Times TitaniumFirst Year Fee: Rs.500+GST, Renewal Fee: Rs.500+GSTA bouquet of Gift Vouchers, across Shopping, Apparel, Dining and many more categories. √Round-the-year Discount Offers at participating Movie & Dining outlets in your city
√Earn 2 Reward Points for every Rs. 150 spent on your card

√Fuel surcharge of 2.5%+GST

√Contactless Payment

√Zero liability on lost card
√Minimum Age of an applicant should be 21 to 60 Years (Salaried), 21 to 65 (Self-employed)
√Minimum Income as per bank’s norms
HDFC Bank Times PlatinumFirst Year Fee: Rs.1,000+GST, Renewal Fee: Rs.1,000+GSTGift vouchers for shopping, apparel, dining and many more categories.√Avail 10 reward points on every Rs. 150 spent on dining spend on weekdays from Monday to Friday
 
√Fuel surcharge waiver of 2.5%+GST will be replaced by 1% convenience fee on fuel spends
 
√Discounts worth Rs.1,800 or more in a year on booking movie tickets
 
√A discount of Rs. 9,600 or more on dining in a year
 
√A saving of Rs.1,500 can be made on fuel transactions


√Zero liability on lost card
√Minimum Age of an applicant should be (Salaried), 21 to 65 (Self-employed)
√Minimum Income as per bank’s norms
HDFC Bank Diners Club Miles Credit CardFirst Year Fee: Rs.1,000+GST, Renewal Fee: Rs.1,000+GST

√Relax in 700+ leading lounges across the world with complimentary access six times a year


 √15% discount and other benefits at some of the finest restaurants
 
√Earn 4 Reward Points for every Rs.150 spent
 
√Redeem reward points against air tickets and hotel accommodation
 
√Air accident cover of upto Rs.1crore
 
Emergency medical cover of up to Rs.25 lakh

√Minimum Age of an applicant should be (Salaried), 21 to 65 (Self-employed)
√Minimum Income: Rs.30,000(Salaried), Rs.3.6 lakh (Self-employed)

HDFC Bank MoneyBack CardFirst Year Fee: Rs.500+GST, Renewal Fee: Rs.500+GST

√2 reward points on every spend of Rs.150
 
√2X reward points on online spends
 
√Redeem reward points as Cashback to pay the outstanding credit balance of your card
 
√100 reward points are equal to Rs.20

√Savings of up to Rs 250 every billing cycle with a 100% fuel surcharge waiver


√Zero liability on lost card

Minimum Age of an applicant should be (Salaried), 21 to 65 (Self-employed)
Minimum Income as per bank’s norms
JetPrivilege HDFC Bank Diners ClubFirst Year Fee: Rs.10,000+GST, Renewal Fee: Rs.5,000+GSTGold membership by default on InterMiles platform 
30,000 Bonus InterMiles
A discount voucher worth Rs.1,000 on return flights

√10,000 InterMiles upon the first swipe on your Card
√Experience savings on your flight bookings
√Earn 8 InterMiles on every Rs. 150 spent on retail expenses
√Unlimited Complimentary Golf games
√Exclusive 24/7 Concierge Services
√Unlimited Airport Lounge access

Minimum Age of an applicant should be (Salaried), 21 to 65 (Self-employed)
Minimum Income as per bank’s norms
HDFC Bank Regalia First Credit CardFirst Year Fee: Rs.1,000+GST, Renewal Fee: Rs.1,000+GSTAirport Lounge Access within and outside India

√Earn 4 reward points on Rs. 150, on all retail spends including Insurance, Utilities, Education and RentPay

√Dining program at premium restaurants across top cities

√Exclusive travel benefits

√10 times Reward Points on your travel and shopping spends on SmartBuy 

√Accidental air death cover of Rs.50 lakh

Minimum Age of an applicant should be (Salaried), 21 to 65 (Self-employed)
Minimum Income as per bank’s norms
HDFC Bank Diners Club Black CardAnnual Membership Fee: Rs.10,000+GSTComplimentary annual memberships of AmazonPrime, ClubMarriott, Zomato Gold, TimesPrime, ForbesIndia, MMT DoubleBlack






√Access to 800 lounges all over the world including domestic airports in India
 
√6 complimentary golf sessions per quarter at the top courses across the world  
 
√2monthly vouchers of Ola, BookMyShow or Tatacliq worth Rs.500 on monthly spends of Rs.80,000
 
√Air accident insurance cover of Rs.2 crore with travel insurance of Rs.50,000 on baggage delay

Minimum Age of an applicant should be 21 to 60 Years (Salaried), 21 to 65 (Self-employed)
Minimum Income: Rs.1.75 lakh per month (Salaried), 
Rs.21 lakh per annum (Self-employed) 

How to Apply for HDFC Credit Card Online

You simply need to send an online query for a credit card. And, soon after receiving the same, the related quotes would be sent to you after checking your eligibility. In just a few simple and quick steps, you can apply for your favourite card. On matching the eligibility, you need to submit the required KYC documents. Hence, you can expect instant approval and a card will be dispatched to your address. 

How to Check If You are Eligible For HDFC Credit Card

There are several factors to check your eligibility; some of these are common for all banks, but others can be bank-specific

  • Each bank has a number of credit cards to choose from. When you are on the bank website, you are also given the option to compare the credit card you’re interested in with other cards. Who knows?
  • The other cards may have benefits that could divert you from your first-choice card
  • Once you choose your card, you would be required to mention your details, which includes the name of your company/business.
  • Mention your annual salary
  • If you already have a card, then certain banks will ask you which one it is. Basis this record, the bank usually checks your credit payment history, and deems you eligible based on your credit score
  • Enter your age and contact details

Documentation Required for HDFC Credit Card

  • You should have at least 1 passport size photograph.
  • Any of the address proofs such as Passport, Ration card, Electricity Bill, Aadhar card has to be submitted.
  • Applicant should possess PAN Card, Form 16 and Income Tax Returns Statement
  • Salary slips/certificate for the last 3 months or latest bank statement indicating the credit of salary for a minimum of 3 months

HDFC Credit Card Limit

The card limit would depend on a variety of factors such as your income and credit history. A greater income lends credence to a strong repayment capability, resulting in a higher limit offer. In addition, you must also have a strong credit history and a good credit score if you want more limits on HDFC credit cards. However, you should remember to utilize the credit limit in a responsive manner to stay away from the debt trap. Plan your purchases according to your income and your ability to pay dues on time.

Factors Affecting HDFC Credit Card Eligibility

  • Age: You must be at least 18 years old. However, some banks have a minimum requirement of 21 years. The maximum age requirement also differs, and it generally goes up to 60 years.
  • Annual Salary: Your annual income determines if you’re eligible for a particular card or not. Make sure your income meets the required eligibility criteria set by the bank so that you can easily avail the loan. 
  • Nationality or Residential Status: Citizens, residents, and non-residents can apply. However, there are a few cards that are only available for Indian citizens.
  • Credit Score: Your chances of getting a credit card increases when you have a stellar credit score. If you have a bad score, your application will most likely be rejected. A good credit score is anywhere from 750 to 900.
  • Existing Debt: Your card provider will also consider your credit utilisation ratio. If your dues exceed the granted limit, it may affect the approval of your application.
  • Employment: Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.
  • Location: Banks also take your location into consideration when they assess your application. Certain cards are only available to those residing in particular cities

Factors That Can Improve Your Credit Card Eligibility

  • Do the following to improve your eligibility:
  • Repay debts on time.
  • Do not exhaust the credit limit of your Credit Card.
  • Keep a healthy mix of secured and unsecured credit.
  • Limit loan applications to limit enquiries.
  • Doing all these will increase your credit score and creditworthiness, thus, making you more eligible. Meet all the Credit Card criteria of eligibility and get approval without any hassle.

HDFC Credit Card Customer Care Number

Whatever the query or problem may be, feel free to talk to the customer care representatives on the 24X7 toll-free number 1800-425-4332. The representatives are ready to resolve any query be it on discounts, reward points, fees & charges, etc.

Related Post

2 Comments

Leave a Reply