HDFC Credit Card Limit Check

HDFC Credit Card Limit

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What is HDFC Credit Card Limit?

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HDFC Bank credit cards have made transacting online as well as offline extremely easy. While borrowing becomes a boon, there is a limit to the amount you can spend on your credit card. This limit is known as the HDFC credit card limit and is the total amount the bank is offering you as a line of credit. This is different from the HDFC Bank available credit limit and cash limit.

What is HDFC Bank Available Credit Limit?

When you transact using your HDFC Bank credit card, the available credit limit on the card (not the total credit limit) is reduced. This available credit card limit is calculated by subtracting the total dues from the HDFC Bank total credit limit. Hence, making purchases on the card reduces the available credit limit while clearing your dues increases it.

What is HDFC Credit Card Cash Limit?

The credit card cash limit forms a part of your total HDFC credit card limit. The cash limit determines the amount of money you can withdraw from the card in the form of cash. However, it is important to remember that HDFC credit card interest charges and credit card cash withdrawal charges are applicable even if you withdraw money within the set limit.

How is the HDFC Bank Credit Limit Decided?

The HDFC credit card limit is based on several factors and varies from one cardholder to another. Some of the important factors include:

Credit History: This focuses on the use of the borrowed funds and the pattern of repayment in the past.

Credit Score: Credit score focuses on your capacity to manage credit/debt. The higher the score, the better is your capacity to handle the credit, hence the higher is your HDFC credit card limit.

Annual Income: If you have higher income and lesser debt, your chances of getting a higher credit limit against your HDFC Bank credit card is more.

Outstanding Dues: Your pending dues negatively impact your HDFC credit card limit. These dues could be in the form of loans EMIs, outstanding credit card debt, etc.

How to Check HDFC Credit Card Limit?

Keeping a check on your HDFC credit card limit is critical to ensure that you get to use it to the fullest without hampering your credit score or credit history. As a result, the bank offers several methods to check your HDFC Bank credit card limit.

HDFC Credit Card Limit Check via Netbanking

  • Visit the HDFC Bank netbanking portal.
  • Log in using your credentials.
  • Go to the 'Credit Card’ tab on the home page.
  • From the drop-down, select the credit card.
  • Click on 'View Account Summary'.

HDFC Credit Card Limit Check via Mobile Banking App

  • Log in to the HDFC Bank mobile banking app using your credentials.
  • Go to the 'Credit Card’ section.
  • If you have multiple cards, select the one for which you wish to check the credit limit.
  • Your total credit limit and available credit limit will reflect in the account summary page.

HDFC Credit Card Limit Check via SMS

HDFC Bank makes it easy to check your HDFC CC limit via SMS too. All you need to do is type ‘CCACL’ followed by space and the last four digits of your HDFC Bank credit card number and send it to 5676712 from your registered mobile number.

HDFC Credit Limit Check through Customer Care

You can call the HDFC Bank credit card helpline number and check the limit on your HDFC credit card in real-time. You can either opt to use the bank’s IVR service or connect with an executive for the same. The numbers to call are:

6160 6161 (local STD code as prefix)

Ahmedabad, Bangalore, Chennai, Delhi (incl. NCR), Hyderabad, Kolkata, Mumbai, and Pune.

6160 616 (local STD code as prefix)

Chandigarh, Cochin, Indore, Jaipur, and Lucknow

How to Increase HDFC Credit Card Limit?

Usually, it is the bank that reaches out to you with an offering for an HDFC credit card limit increase after analysing your credit usage and repayment pattern. You may receive a call, SMS, or email from the bank notifying you about the same. If you accept the offer, your card will be automatically upgraded.

However, if your expenses have increased and you believe a higher credit limit against your HDFC credit limit will be helpful, you can request the bank to increase the set limit through any of the methods mentioned below:

Apply for HDFC Credit Card Limit Increase via Netbanking

  • Visit the HDFC Bank netbanking portal.
  • Login using your credentials.
  • Go to the 'Credit Card’ tab.
  • From the drop-down, select the credit card.
  • Under ‘Request’, click on ‘Credit Limit Enhancement’.
  • Fill in the HDFC credit card limit increase form with all the requested details and submit it.

Apply for HDFC Credit Card Limit Increase via Post

You can also write a letter requesting the bank to increase the HDFC credit card limit and send it to:

HDFC Bank Cards Division,

P.O Box No. 8654, Thiruvanmiyur P.O.,

Chennai – 600041

You would need to attach your income proofs with the letter. If you are a salaried employee, you would need to provide a self-attested copy of your office ID card and your most recent salary slip. If you are a self-employed individual, you would need to submit a self-attested copy of your PAN card, latest income tax returns, and the income computation as proof.

Apply for HDFC Credit Card Limit Increase through Customer Care

You can also contact the HDFC credit card customer care to place a request for an HDFC credit card limit increase. You can call on the below-mentioned numbers any time of the day and connect with the bank’s customer care. Additionally, you can even get in touch with your Relationship Manager and ask them to initiate the request.

6160 6161 (local STD code as prefix)

Ahmedabad, Bangalore, Chennai, Delhi & NCR, Hyderabad, Kolkata, Mumbai, and Pune.

6160 616 (local STD code as prefix)

Chandigarh, Cochin, Indore, Jaipur, and Lucknow

Frequently Asked Questions About HDFC Credit Card Limit

  • ✔️What is the limit on an HDFC credit card?

    The HDFC credit card limit is the total line of credit issued against the card by the bank. When you use the card to make payments or purchases, your available credit limit decreases, but the HDFC credit card total credit limit remains the same.

  • ✔️How can I know my HDFC credit card limit?

    You can check your HDFC credit card limit via netbanking, SMS, phone call, or even the mobile banking app. The total and available credit limits are also mentioned in the HDFC credit card statement generated at the end of every billing cycle.

  • ✔️How to increase my HDFC credit card limit?

    If the bank does not contact you for upgrading your HDFC credit card limit, you can request the same through netbanking, email, call, or post. Visit Finserv MARKETS if you wish to apply for a credit card now!