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

    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.

      

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    HDFC Credit Card EMI Reviews

    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      It is a fine experience with HDFC Bank. I received the credit card on time. There are cash back offers and the deals are good. The credit limit is fine. The charges are normal for the credit card. The customer support and response is good and on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have started using HDFC bank credit card for recently, they have charged me annual fee but waived off option is available, the credit limit which they have given to me too high based on my requirement i need to less the limit,the reason for choosing this bank is for their offers they use to give good offers in shopping and airport lounge.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFc credit card from long time, They have not charged me annual fee in this card, i am happy with the credit limit which they have given to me, their mobile application is good, they use to give good offers if i shop through on line, their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have one credit card from HDFC bank last three years , and this is free card no need any charges here , rewards point offer in this card and I have been redeem my rewards point , and I am satisfied with credit limit after one and half years my credit limit is increase ,
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      It has been four years since i am using the HDFC BANK CREDIT CARD, they had been providing a better service so far. The credit limit with the card comes around 1,50,000 and there has also been some added benefits with this card like reward point benefits. There is some annual charges of 500 with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good card for the reward points"
      0.5 5.0/5 "Blown Away!"
      I have Hdfc money credit card around one year, the card is good they are providing bonus points on the spend. The billing cycle is good and they are providing the reminder msg or calls before the due date. I used to get the soft copy statement on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I wanted a life time free card with HDFC Bank and I got a card with a annual fee of 500. If I use the card for 50K to a Lakh in a year the fee is waived off. I got a money back credit card. The best is the cash back. I also get points which can be converted to cash. The credit limit is good. There is no mobile application for credit card and that is the minus point.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good for online transactions"
      0.5 3.0/5 "Satisfactory"
      I hold a Platinum credit card and am using with HDFC for past three years. I did not get any special benefits on the card. The credit limit is too low and they provided me based on my profile which was not enhanced till now. There is no annual charges. I have been using the card for multi purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Most reputed credit card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for the past 3. 5 years . HDFC has more tie up with online vendors like Amazon , flip kart, Swiggy , Etc . So they provide offers on the continuously for the card holders . There card has more advantage in comparing to other cards .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Need improvement"
      0.5 2.0/5 "Expected more"
      HDFC Bank has degraded my credit card and I had a lot of options earlier on this card. Now I do not get any benefits. There are no movie tickets, the point value has reduced, it was one rupee earlier and now it is .25. Most of all they charge Rs. 400 even if the payment is an hour late.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For HDFC credit card its an average card, i used get 4 rewards points apart this for book my show got 750 vouchers and big basket 750 vouchers and also i can able to redeem for 6000 rupees for gold purchase,but customer service not responding properly.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "NOT SATISFIED WITH THE SERVICES OF THE CUSTOMER SUPPORT EXIC"
      0.5 1.0/5 "Really Bad"
      The process in getting my HDFC BUSINESS MONEYBACK was fine and the card was delivered to me within the promised time. But after receiving the card it has not been a good experience, the customer support is the bridge between the bank and the customer where the services from their end has not been good. Other than that everything had been fine with them like the credit limit as well.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Never approached me"
      0.5 3.0/5 "Satisfactory"
      I am closely in touch with HDFC customer service for the past one year . I trusted them and taken a credit card from them, But till now they have not approached me for credit limit enhancement . They are having very good offers online and nice discounts for their cards but they need to increase the credit limit on a regular basis .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a life time free money back credit card and the customer services are good. They also provide me with good offers on Amazon and Flipkart. The credit limit is good. It is a smooth process while using the card, I never faced any hassles in the overall process.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card from long time, They have been charging annual fee in this card,but waived off option available,like if i spend certain amount then annual fee will get waived off, i am happy with the credit limit which they have given to me.they use to give good offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Lot of confusion in delivering the card"
      0.5 3.0/5 "Satisfactory"
      There was so much mess with a HDFC credit card . Because when I applied for my HDFC credit card , I changed my location . So the card has been delivered to my old address and card has been returned to the branch . Then once again I requested for redelivering and same thing happened . At last I said to deliver the card to my office address .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I took my HDFC bank credit card this is chargeable card , I am satisfied with credit limit and their customer service is good and response is also good , and here rewards point offer available , I did not use much more still recently I got this credit card ,
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
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