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HDFC Credit Card Rejection

HDFC Bank is the largest private sector bank in India by assets and the largest bank in India by market capitalization. Building on its vast network and decades of banking experience, HDFC Bank has become the largest issuer of credit cards in India, has issued more than 1.5 crore credit cards. What makes HDFC Bank credit cards the most popular in India is the great system of rewards and benefits that it offers to its users.


Credit Cards allow you quick and easy access to credit when you need it. Think of a credit card as a quick loan – you can borrow instantly when you need it and repay in easy instalments later at your own convenience. This is why credit cards have become such an essential part of modern life and an increasingly large number of people are now applying for credit cards.


Since credit cards are so convenient, a large number of people apply for them. This means that lenders have a due vetting process in place to select the most eligible customers and reject others. The more reputed the lender, the more stringent their vetting process is likely to be. This means that sometimes, your HDFC credit card application may get rejected. Read on to find out the major reasons for HDFC credit card rejection.

Reasons for HDFC Credit Card Rejection

1. Low CIBIL Score:

This is the most common HDFC credit card rejection reason. CIBIL stands for Credit Information Bureau (India) Limited. It is an organization that keeps a record of the credit histories of all consumers. A CIBIL score is a 3-digit number between 500 to 900 with scores above 750 considered healthy. If you have a CIBIL score below 700, it can be the reason for your HDFC credit card rejection. CIBIL scores are affected by your past financial history. You may have a low CIBIL score if:

  • You have defaulted on a loan in the past.

  • You have applied for multiple loans simultaneously.

  • You have not been paying your EMIs on time.

  • You have applied for multiple credit cards.

2. Inadequate Income:

Before banks issue credit cards, they need to assess the applicant's ability to pay the credit back. In case an applicant has low monthly or yearly income, they are more likely to be unable to pay their loan back. For this reason, most credit issuers have an eligibility criterion stating a minimum monthly or yearly income for an applicant to be eligible for credit card. Having an income lower than this threshold can be a reason for an applicant's HDFC credit card rejection.

3. Employment Type and Occupational History:

Another reason for HDFC credit card rejection is the type of job an applicant has and how long has the applicant been working with their present employer. Credit card issuers prefer employees of established and known companies. They also prefer applicants who have had stable jobs. If an applicant’s employment history shows that he/she has been switching jobs frequently, it can be a reason for their HDFC credit card rejection even though they may be fulfilling the minimum income eligibility criteria.

4. High Debt-to-Income Ratio:

An important metric banks consider while issuing credit cards is the debt-to-income ratio or your monthly debt divided by your monthly income. A high debt-to-income ratio is a common reason for HDFC credit card rejection. To arrive at this ratio, the lender only needs to have a quick look at your CIBIL score. If you have applied for multiple loans, or have multiple credit cards issued against your name, or are paying a very large portion of your monthly income as EMI for a loan, your debt-to-income ratio is likely to be high, resulting in HDFC credit card rejection.

5. Address Verification Not Done:

Before a lender issues you a credit card, they need to verify your address. All communication with the lender including your monthly credit card bills will be delivered to this address. In case the lender is not able to verify your address, they will not be convinced of the credibility of your application. This can become a reason for your HDFC credit card rejection.

6. Incomplete or Incorrect Application Form:

Finally, a common but often overlooked reason for HDFC credit card rejection is an incomplete or incorrectly filled application form. The application form captures your essential details that are necessary for précising your credit card application. Therefore it is necessary to be careful while filling it out. One must also be careful in providing copies of all the required KYC documents in order to ensure correct and quick processing of the application.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Credit Card Rejection Reason

What do I do if my HDFC credit card application is rejected?

First, you need to find the reason for your HDFC credit card rejection. To do this you may get in touch with the agent or representative who was handling your application and they may be able to provide you with the reason for your HDFC credit card rejection. Depending on the reason, you have a number of resources open to you. For instance, if your application was rejected on account of unstable income, you can apply for a secured credit card which is issued against a bank FD. If your application was rejected due to not having a credit history, you may apply for an unsecured loan, and pay it off on time to build a credit history.

How long does it take to get an HDFC credit card approved?

A credit card application may be processed anywhere between 1-10 business days depending on your credit history and eligibility.

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