HDFC Credit Card Eligibility Check

HDFC Credit Card Eligibility and Documents

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What are the HDFC Credit Card Eligibility Criteria?

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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.

What are the HDFC Credit Card Eligibility Criteria for New Customers?

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

  • Regular source of income is a must

  • Amount varies from card to card

  • Different for salaried and self-employed individuals

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!

What are the HDFC Credit Card Eligibility Criteria for Existing Customers?

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.

What are the HDFC Credit Card Eligibility Criteria for Salaried Individuals?

For salaried employees, the HDFC eligibility criteria are as follows:

  • The minimum age for salaried employees is 21 years while the maximum is 60.
  • Your regular monthly income should be higher than the minimum income requirement for the card you wish to apply for.
  • A good credit score, preferably around or over 750, is also a must.
  • You should be a citizen of India or a Non-Resident Indian.

What are the HDFC Credit Card Eligibility Criteria for Self-Employed Individuals?

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:

  • The minimum age requirement for self-employed employees is 21 years while the maximum is 65.
  • Your regular monthly income should be higher than the minimum income requirement for the card you wish to apply for.
  • A good credit score, preferably around or over 750, is also a must.
  • You should be a citizen of India or a Non-Resident Indian.

Eligibility Criteria for Top HDFC Bank Credit Cards

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:

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

₹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

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 lakh

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 lakh

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 lakh

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 lakh

Nationality

Citizen of India or a Non-Resident Indian

How to Improve the Chances to Meet HDFC Card Eligibility Criteria?

Here are a few things you can do to improve your chances of being eligible for an HDFC Bank credit card:

  • Ensure that you have a stable job with a high, regular income.
  • Ensure that you have a high credit score, i.e. over 750, to get the best deals.
  • If you have multiple credit cards, ensure that you have no history of payment defaults.
  • Apply early because the younger you are, the better are your chances of repaying the dues in time.

Documents Required to Apply for 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:

Proof of Identity

  • PAN card
  • Voter ID card
  • Passport
  • Government-issued photo ID card
  • Photo ID card issued by a public sector undertaking (PSU)
  • Ration card
  • Aadhaar card
  • Driving licence

Proof of Address

  • Aadhaar Card
  • Passport
  • Utility bills (not older than 3 months from the date of application)
  • Government-issued photo ID card with address
  • Last bank account statement

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)

Frequently Asked Questions About HDFC Credit Card Eligibility Criteria

  • ✔️How to improve your chance to be eligible for an HDFC credit card?

    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.

  • ✔️Is there a minimum salary required for an HDFC credit card?

    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.

  • ✔️What documents are required to apply for an HDFC credit 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.