HDFC Credit Card Eligibility and Documents

HDFC Bank offers credit cards designed to suit your lifestyle requirements. Be it for travelling, dining, shopping, or business purposes, you can be assured that you will find a card that matches your preferences. 

 

While you get to enjoy umpteen benefits with an HDFC Bank credit card, checking the HDFC credit card eligibility criteria is an important step. This helps you get your preferred credit card hassle free. 

 

Though the HDFC Bank credit card eligibility terms vary across card variants, here are some common ones you need to know. Remember, it is crucial to meet the HDFC credit card eligibility to apply online or offline.

Here are some of the top credit cards from the bank and their specific eligibility requirements:

1. HDFC 6E Rewards Indigo Credit Card

2. HDFC Diners Club Privilege Credit Card

3. HDFC Business Regalia Credit Card

4. HDFC Times Platinum Credit Card

5. HDFC Indian Oil Credit Card

After checking your HDFC credit card eligibility to apply online or offline, you can apply for an HDFC Bank credit card. However, you have to submit a few documents as proof along with the application form. These include the following:

1. Proof of Identity

• PAN card

• Voter ID card

• Passport

• Photo ID card issued by a public sector undertaking (PSU)

• Ration card

• Aadhaar card

• Driving licence

• Government-issued photo ID card

2. Proof of Address

• Aadhaar Card

• Passport

• Latest utility bills (not older than 3 months from the date of application)

• Government-issued photo ID card with address

• Last bank account statement

3. Proof of Income

• Bank statement (last 3 months)

• Salary slips (last 3 months)

• Audited financials for the last two years (for self-employed individuals)

• Form-16 (for salaried employees)

Whether you opt for an HDFC corporate credit card or a personal credit card, meeting HDFC credit card eligibility to apply online or offline is crucial. Similarly, knowing the factors affecting your HDFC Bank credit card eligibility is important too.

 

Here are a few factors that can affect HDFC credit card eligibility:

• Age: Ensure you are in the age bracket of 21 to 60 years before getting a HDFC credit card. In case you are self-employed, the upper age limit is 65 years.

• Income: Another crucial factor to consider when checking HDFC credit card eligibility to apply online or offline is your earnings. Keep the minimum income requirements set by HDFC across each card variant in mind before selecting one. 

  While you can apply for an HDFC credit card with a minimum salary of ₹15,000 or even ₹12,000, certain card variants may require you to draw a higher monthly income. This may range between ₹25,000 to ₹1-2 Lakhs. Checking the income criteria helps you avoid unnecessary rejections.

• Credit History and Score: A spotless credit history and a good credit score of above 750 can help you get your preferred HDFC credit card with ease. This is due to the fact that a high score assures the issuer of your creditworthiness.

  A high score is the product of having prior experience with credit and displaying responsible credit behaviour. So, if you have an existing credit card and have paid off your bills in full on a timely basis, you have a higher score. This also increases your eligibility for a new credit card.

• Stability of Employment: This is another essential factor when it comes to your HDFC credit card eligibility. While a regular income source is a must, your job stability is also taken into consideration. A steady pay cheque from a reputed company helps to boost your eligibility.

 

You can also apply for an HDFC credit card as a self-employed professional or business owner. Being able to showcase steady business revenue is key to getting your chosen HDFC Bank credit card. 

If you don’t own an HDFC credit card yet, apply for a credit card now! Check out the details regarding the process and more about HDFC credit card types on Bajaj Markets.