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HDFC Bank offers credit cards to suit your everyday financial needs. Be it travelling, dining, shopping, corporate, or business purposes, you can be assured that you will find a card matched to your preferences. However, to get an HDFC Bank credit card and enjoy the innumerable benefits it has to offer, you must perform an online HDFC credit card eligibility check. Though the eligibility criteria are different for each credit card, there are some common factors that determine if you qualify. Let us look at these factors.
ON THIS PAGE: Eligibility for New Customers | Eligibility for Existing Customers | Eligibility for Salaried Individuals | Eligibility for Self-Employed Individuals | Eligibility for Top HDFC Cards | Improve Eligibility Chance | Documents Required | FAQs
If you are a new customer, you must meet the set criteria for HDFC Bank credit card eligibility. These include:
Minimum Age |
21 years |
Maximum Age for Salaried Employees |
60 years |
Maximum Age for Self-Employed Individuals |
65 years |
Income |
The minimum income requirement is ₹10,000
|
Nationality |
Citizen of India or a Non-Resident Indian (NRI) |
Credit Score |
Over 750 preferred |
If you don’t own an HDFC credit card yet, apply for a credit card now!
If you are an existing HDFC Bank customer who requires an HDFC credit card, you can apply for it using the bank’s netbanking portal itself. The chances of securing an HDFC Bank credit card are higher in such cases as you are already a verified customer. You might not even have to submit additional documents to apply for the card. However, if you have something specific in mind, you must meet the respective HDFC credit card’s eligibility criteria when applying.
For salaried employees, the HDFC eligibility criteria are as follows:
Like salaried employees, self-employed individuals can apply for an HDFC Bank credit card too if they match the eligibility criteria. The HDFC credit card eligibility criteria for self-employed individuals are as follows:
Now that you know how the eligibility criteria for HDFC Bank’s credit cards varies based on the requirement, let us look at some of the top credit cards from the bank and their specific eligibility requirements:
Minimum Age |
21 years |
Maximum Age for Salaried Employees |
60 years |
Maximum Age for Self-Employed Individuals |
65 years |
Minimum Income for Salaried Employees |
₹20,000 per month |
Minimum Income for Self-Employed Individuals |
Yearly ITR of more than ₹6 lakh |
Nationality |
Citizen of India or a Non-Resident Indian |
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 lakh |
Nationality |
Citizen of India or a Non-Resident Indian |
Minimum Age |
21 years |
Maximum Age for Self-Employed Individuals |
65 years |
Minimum Income for Self-Employed Individuals |
Yearly ITR of more than ₹12 lakh |
Nationality |
Citizen of India or a Non-Resident Indian |
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 lakh |
Nationality |
Citizen of India or a Non-Resident Indian |
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 lakh |
Nationality |
Citizen of India or a Non-Resident Indian |
Here are a few things you can do to improve your chances of being eligible for an HDFC Bank credit card:
If you pass the HDFC credit card eligibility check, you can proceed to apply for a new HDFC Bank credit card. However, along with the application form, you would need to submit some documents as proof. These include:
You should try applying early while maintaining a regular source of income that is at par with the requirements of the specific card. You should also have a good credit history and a high credit score.
Yes, for salaried employees, a minimum monthly salary is required to be eligible to apply for an HDFC Bank credit card. However, this minimum salary amount varies from card to card.
To apply for an HDFC Bank credit card, you need to submit a copy of your identity proof, address proof, and income proof along with the application form.