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What are the HDFC Credit Card Eligibility Criteria

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.

Eligibility Criteria for Some HDFC Bank Credit Cards

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

1. HDFC 6E Rewards Indigo Credit Card

Minimum Age

21 years

Maximum Age for Salaried Employees

60 years

Maximum Age for Self-Employed Individuals

65 years

Minimum Income for Salaried Employees

₹50,000 per month

Minimum Income for Self-Employed Individuals

Yearly ITR of more than ₹7.2 Lakhs

Nationality

Citizen of India or a Non-Resident Indian

2. HDFC Diners Club Privilege Credit Card

Minimum Age

21 years

Maximum Age for Salaried Employees

60 years

Maximum Age for Self-Employed Individuals

65 years

Minimum Income for Salaried Employees

₹70,000 per month

Minimum Income for Self-Employed Individuals

Yearly ITR of more than ₹8.4 Lakhs

Nationality

Citizen of India or a Non-Resident Indian

3. HDFC Business Regalia Credit Card

Minimum Age

21 years

Maximum Age for Self-Employed Individuals

65 years

Minimum Income for Self-Employed Individuals

Yearly ITR of more than ₹12 Lakhs

Nationality

Citizen of India or a Non-Resident Indian

4. HDFC Times Platinum Credit Card

Minimum Age

21 years

Maximum Age for Salaried Employees

60 years

Maximum Age for Self-Employed Individuals

65 years

Minimum Income for Salaried Employees

₹35,000 per month

Minimum Income for Self-Employed Individuals

Yearly ITR of more than ₹6 Lakhs

Nationality

Citizen of India or a Non-Resident Indian

5. HDFC Indian Oil Credit Card

Minimum Age

21 years

Maximum Age for Salaried Employees

60 years

Maximum Age for Self-Employed Individuals

65 years

Minimum Income for Salaried Employees

₹10,000 per month

Minimum Income for Self-Employed Individuals

Yearly ITR of more than ₹6 Lakhs

Nationality

Citizen of India or a Non-Resident Indian

Documents Required to Apply for an HDFC Bank 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)

Factors Affecting Your HDFC Bank Credit Card Eligibility

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. 

DISCLAIMER

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 Eligibility Criteria

You should try applying early in your career while maintaining a regular source of income that matches the eligibility of your chosen card. You should also have a high credit score.

Yes, a minimum monthly salary of ₹12,000 is required in general for you to be eligible for an HDFC Bank credit card. This applies to both salaried and self-employed applicants. However, each card has its own income criteria that you need to meet in order to be eligible.

To apply for an HDFC Bank credit card, you need to submit a copy of your identity, address, and income proof along with the application form.

Using a credit card can offer you multiple benefits, help you finance various needs easily and be a safe payment mode. Being judicious with swiping and paying your bills can help you save money and increase or build your credit score. 

 

However, being reckless can increase your debt burden. So, it comes down to financial discipline to make the most of it.

On meeting the terms related to HDFC credit card eligibility to apply online or offline, you can choose a card based on your needs. Some popular cards for salaried employees include the Moneyback and the Millenia Credit Cards.

HDFC Bank has some credit cards that fall under the lifetime free category such as the Shoppers Stop HDFC Bank Credit Card. However, you can get a waiver on the annual fee of many credit cards when you meet certain spending milestones.

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