HDFC Bank Credit Card Eligibility

HDFC Bank offers a plethora of credit cards, each of which has been tailored to meet the multiple and diverse needs of different individuals. The recently launched HDFC student credit card is an example of that. The various offers and benefits that these cards are loaded with, make them really popular and sought-after. With an HDFC Bank credit card, you can easily avail offers like sign-up bonuses, EMI on your purchases, reward points, fuel surcharge and many more.

If you are considering getting yourself an HDFC credit card, you should be aware of the eligibility criteria for the cards. Even though the criteria vary from card to card, you can still have a fair idea about them by knowing the general requirements common to all of them.

General eligibility criteria to apply for an HDFC Bank Credit Card

Particulars For all HDFC Bank credit cards
Minimum age of the applicant (for salaried individuals) 21 years
Minimum age of the applicant (for self-employed individuals) 21 years
Maximum age of the applicant (for salaried individuals) 60 years
Maximum age of the applicant (for self-employed individuals) 65 years
Employment status Salaried or self-employed
Nationality A Resident of India or Non-Resident Indian

*Only a few credit cards are available for Non-Resident Indian (NRIs). Please contact HDFC Bank to know the precise eligibility criteria for the credit card of your choice.

Factors that affect your HDFC Bank credit card eligibility

There are several factors that have a considerable impact on your eligibility for an HDFC Bank credit card. A few of these are

  • Age: It’s one of the most basic factors that you need to consider before applying for an HDFC Bank credit card. In most cases, you need to be in the age bracket of 21 – 60 years (65 for self-employed persons). If you are too young, it may actually work against you since you are unlikely to possess a healthy credit history and therefore, a good credit score - a criterion that is crucial for you in securing a credit card.
  • Credit score: This is the most important thing that the bank will look for as soon as you apply for a credit card. Maintaining a healthy credit score is of primary importance for getting a credit card. The credit score is a reflector of your credit worthiness and it depends on your credit history. Generally, lenders prefer individuals who have a credit score of over 750.
  • Existing credit card balance: Having two or three credit cards can actually work in your favour since it suggests that you have the ability to manage the debts comfortably. However, you must ensure that you use them with discretion and do not miss out on repaying the debts on your existing credit card(s) because that might be a red signal for the bank when it judges your worthiness for the new credit card.
  • Job stability: While it’s very important to have a source of regular income to get a credit card, the stability of your job can also be a determining factor for you. If you keep on switching jobs frequently, it may have a negative impact on your credit score.
  • Settled accounts: If you don’t repay the entire outstanding amount on your existing credit card, in certain cases the credit card provider may settle the case with you by accepting less than the total amount that you owe. However, as a consequence, your credit report will certainly take a hit, and you will face difficulty in getting a loan or a credit card in the future.

How to improve your HDFC Bank credit card eligibility

If you don’t fulfil some of the criteria or if your application for the credit card has been rejected by the bank, you always have a second chance to avail your HDFC credit card. For this, you need to improve your creditworthiness and there are several ways to do it. A few of them are as follows:

  • Maintain a low number of credit card applications: You may not be aware of this but it’s not a healthy practice for you to raise too many credit card inquiries with multiple credit card providers. This is particularly true if you have already applied for a credit card with one of the card issuers.
  • Pay your outstanding balance on time: Ensure that you pay all your bills – credit card(s) and otherwise, before or at least on their due date. This is because the credit companies carry out a thorough investigation of your credit repayment history before approving your request for a new credit card.
  • Mention all your income source in your application: Because credit card issuers need you to have a regular source of a decent income, you need to include all your extra income sources (if you have any) in addition to your primary source. This will help you achieve a desirable debt-to-income ratio that would, in turn, help you get your credit card. However, avoid overstating your income or else it will have an adverse impact on your chances.

A few other ways you can improve your credit card eligibility are as follows:

  • Close all your existing loans instead of ‘settling’ them.
  • Resist the temptation of overusing your credit card.
  • Avoid closing your existing credit accounts as far as you can.

Top HDFC Bank credit cards

Out of the multitude of credit cards, here are a few of the most popular ones

  • HDFC Bank Regalia credit card
  • HDFC Bank Infinia Credit Card
  • HDFC Bank Diners Club Credit Card
  • HDFC Bank Regalia First Credit Card
  • HDFC Bank Diners Club Black Credit Card
  • HDFC Bank Titanium Edge Credit Card 
  • HDFC Bank Platinum Credit Card

To apply for any of the HDFC Bank credit cards, you can contact the bank by dialling 1800 266 4332. HDFC Bank has got distinct customer care numbers for different locations of the country. Kindly check out the HDFC Bank website if you wish to get the specific number for your location. You could also choose to send your queries via email at If you are an existing customer of HDFC Bank, you can apply for a credit card through your net banking account. You could also visit any HDFC Bank branch or the HDFC Bank website and apply for your credit card.

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