Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • HDFC Credit Card Limit

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    HDFC Credit Card Limit Online
    HDFC Credit Card Limit

    With the introduction of credit cards, the idea of borrowing money has changed completely. Gone are the days when individuals had to stand in long queues to borrow money from a bank for the smallest of financial emergencies. Credit cards have come to the rescue of the entire world. HDFC Bank offers an array of credit cards to its customers that have been especially designed for their varied financial needs. These cards come with a credit limit which can be loosely defined as the maximum amount of credit that the bank extends to the cardholder through a line of credit. Let’s find out more about the credit limit of HDBC Bank’s credit cards.

     

    How to Increase Credit Limit on HDFC Credit Card?

     

    HDFC credit card limit can be increased by availing the bank’s ‘Limit Enhancement’ feature, which is available for its existing credit card users. However, only eligible customers can avail the feature based on the bank’s terms and policies.

    Besides limit enhancement HDFC also offers ‘Card Upgrade’ through which users can upgrade their card to a next level card with more features along with enhancing their credit limit.

     

    HDFC Approaches You:

    Limit allotted on credit cards are periodically revised by the bank based on the customer's usage and payment patterns. If your existing HDFC credit card becomes eligible for either limit enhancement or card upgrade, you’re likely to receive a call or an SMS/email from the bank.

    If you receive a call and are willing to accept the offer, make sure you are aware of all the terms and conditions, revisions in annual fee, if any, and any other details regarding the limit enhancement or upgrade. If you are fine with all the information, you can confirm your acceptance on the same call. If you need time, convey the same and ask the executive to give you a call in a couple of days.

    Once you give a confirmation, you’re HDFC credit card limit will be automatically upgraded. You can check the same in your netbanking account or can call the customer care to confirm the same. Your next bill statement should ideally reflect the newly enhanced limit.

    In case, you have applied for card upgrade, the bank will generate a new card with a new number and will send the same to the registered address within 7-10 working days. All the details on your previous card will be transferred to the new card. However, only a percentage of reward points on your old card will be transferred to the new card based on your card type.

     

    Apply Through Net Banking:

    In case, you haven’t received any such call after using the card for 6-12 months, you can check your hdfc credit card net banking account in which your credit card is registered. Login to your account, click on the ‘credit card’ tab and choose ‘card

    upgrade with enhancement’ from the left side menu.

    If any of your existing cards is eligible for either upgrade or limit enhancement, you will find the same there. Select the card, you would like to upgrade and click ‘continue’. Your request will be automatically sent to the bank and you will receive a confirmation message.

     

    Call Customer Care:

    If you don’t have a net banking account, you can still request for credit limit increase or card upgrade by contacting HDFC phone banking officers. Credit card related queries and requests will be answered at 1800-266-4332, 24 hours on all days.

     

    Write to HDFC:

    In case, you receive a reply saying your card is not eligible for limit enhancement based on the bank records, your chances of getting eligible for limit enhancement are still there, if you have recently got any increase in your income or if there is any difference in your income from the time you have applied for existing credit card.

    Send a duly signed letter requesting increase on your existing credit limit, along with income proofs to the HDFC cards division. If you’re a salaried employee, you need to attach a self-attested copy of your recent salary slip and an office ID card. For self-employed, copy of latest income tax returns and Pan card along with computation of income should be submitted.

    You can either send your letter to HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur P.O., Chennai-600041 or simply drop the same in HDFC drop boxes placed at the bank’s ATMs.

       
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    HDFC Credit Card EMI Reviews

    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      For the past 2 years I am using HDFC BANK credit card for more than 2 years with low credit limit of 21 thousands only for 2 years I am using this card yet they have not enhance it. It is a life time free credit card. EMI option is applicable and charges are nominal.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 6 years .I have got all the required details about the card process ,I have got my credit card on time without any details .The credit limit was really good and there was no drawbacks faced .I am totally satisfied with the service .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was offered from Bank end . I am using this credit card so far and the credit limit was pretty good and it was sufficient as well .This was a free card .There are good reward points and lounge access as well that is the best features so far . I am really comfortable with the service so far .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      From HDFC bank I am holding a credit card for more than 1 year. It is a life time free credit card and the credit limit is sufficient to use for the card. EMI option is applicable and charges are nominal I use for online shopping and restaurants purpose.
      Was this review helpful? 0
      , tezpur
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It is a life time free credit card with HDFC bank. I am holding this card for more than 3 years which was processed through bank directly. There is no EMI option for this card. It is a RUPAY card. I use for shopping purpose based on the usage I have not get points yet.
      Was this review helpful? 0
      , daman
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      HDFC is a convincing card and 5 years ago, i have bought this card. I'm not sure about the card variant. I make the payment through online and the payment due date and bill cycle is convenient for me. The time given for repayment is very less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Fine"
      0.5 4.0/5 "Great!"
      I was holding a credit card of HDFC BANK before I could open an account with them. I would like to discontinue the card because am satisfied with Indusind card. I did not look at annual fee. There are no benefits as well and the credit limit is not at an issue for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was taken through Bank directy.I am using this credit car d for the past 4 years.The credit limit was really sufficient and it is good and this card is easy to use and there was no difficulties faced so far on using this credit card .There was good cash back offers and reward points .
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      I got a Money back credit card from HDFC BANK and its been 4 years. The best thing is, I get extra points and reward points for the purchases which I make it online also there is waiver off surcharges on Fuel apart from that I am getting voucher of 500rupees on every six months which can be utilized for booking movie tickets and online purchase. There is no maintenance fee as well.
      Was this review helpful? 0
      , hosur
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      They have given me many offers from HDFC but i haven't used it. I have been using the credit card for almost 4 years so they increased my credit limit on a time to time basis. So far i have not paid any late fee or interest rates but the interest rates are high.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Interest rate to be average"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with HDFC BANK and the interest rate is higher, sometimes for the delayed payments. Their customer service is fine. I have been using REGALIA Card for last 3years. The credit limit is good and enough. There is no annual fee.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Moderate Service "
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank credit card through Online .I have not availed this card since got some other credit card .I have got callback from bank end on delay basis and also got only one time callback.Since got another credit card cancelled the plan of availing this Hdfc card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I hold a HDFC Bank credit card which was offered by Bank .This credit card is a free card and have a good credit limit and i am using for the past 1 year .There are good reward points as well as cash back offers .I have got all the details about the card process very clearly .I am really satisfied with the service so far.
      Was this review helpful? 0
      , srikakulam
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC BANK credit card from last 3years. They were providing 5 to 10% discounts for online purchase on e-commerce sites. The customer service is average. They were provided me a life time free credit card. The credit limit is same and not increasing frequently.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 16, 2019
    • HDFC Bank Credit Card
      "Need to enhance the limit"
      0.5 4.0/5 "Great!"
      I have been using HDFC BANK credit card for around one month. The reason for taking this card is its pre approved one. The credit limit is average and its only 25K which was not sufficient for me. The annual fee is applicable but it will be waived offer according to the spend.
      Was this review helpful? 0
      , raipur
      Reviewed on Oct 16, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was direclty taken through Bank .I am using this credit card for the past 3 years ,This was a free card and there was no difficulties faced so far on using this credit card ,The credit limit was good and it was upto 75,000.I have got the credit card on time and it is really good to use and i am really satisfied with the service so far .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 16, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank regalia credit card for more than 3 years. For 1st year it was an annual fee chargeable. 2nd year onwards free card. The credit limit is given for one lakh. EMI option applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 2
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 months before only I have taken money back credit card with HDFC bank. I got an offered from their end. It is an annual fee chargeable of 2400 rupees. The credit limit is sufficient of 42 thousands. I am not aware about an EMI option. I use for shopping and fuel purpose. Within 20 days I received a card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am using HDFC BANK credit card and it was a better experience. Its been 2 years and it was hassle free. The credit limit is sufficient and every year, they were increasing the limit as per my usage. The customer service is really good. I never been charged for late payments. The interest is 15% for EMI conversion which is reasonable but not converted yet.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
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