How to Check HDFC Credit Card Eligibility?

How to Check HDFC Credit Card Eligibility
How to Check HDFC Credit Card Eligibility

HDFC credit card eligibility is a hot topic of discussion among credit cardholders in India. With the most market share in the credit card space, HDFC Bank has an exciting range of lucrative credit cards to offer to the ever-growing customer base. In case you are looking to apply for a new HDFC Bank credit card, you are probably wondering what sort of eligibility criteria the issuer requires. Here is a rundown of how you can score a new HDFC credit card bypassing all eligibility checks. Also, you can check how to pay HDFC Credit Card bill? to know how you can check your HDFC Credit Card bill.

Factors Affecting HDFC Credit Card Eligibility

HDFC Bank credit cards are issued on the basis of 4 major criteria – age, income, credit score, and location among others. Let’s discuss them in detail.

1. Age

As for every major bank in India, you need to be a minimum of 18 years of age to apply and be eligible for a new HDFC credit card. This holds true even for add-on cardholders. You are automatically eligible for the card once you cross this age. However, there are certain other criteria to keep in mind.

2. Income

Firstly, you need to have a steady flow of income with proof to show for it, to be eligible for an HDFC Bank credit card. Secondly, this needs to be a minimum of Rs 4.2 lakhs per annum for salaried professionals, and Rs 6 lakhs for those who are self-employed. This income eligibility criteria, however, go up as the cards get more premium in nature. It is also based on your relationship with the bank; the management can choose to provide you with a higher category credit card with a relaxed income flow.

3. Credit history

Your credit history, as part of your larger credit score, is another important factor in determining whether you will be eligible for HDFC credit cards. You need to have a decent credit score, with no pending payments or uncleared loan/ card accounts. The bank will thoroughly check your credit history by doing a hard check with the bureau before you are approved for a credit card.

4. Nationality

When applying for a credit card with HDFC Bank, or in India in general, you need to be either an Indian resident or a Non-Resident Indian (NRI). Foreign nationals cannot apply for credit cards issued by Indian banks.

4. Location

Location serviceability is a criterion when it comes to getting approved for HDFC Bank credit cards. While most major pin codes of India are serviced by the bank, there might be some exceptions. In case your pin code doesn’t fall in the serviceable areas, you might be out of luck. Until it does, that is.

5. Eligibility Criteria for Salaried Employees

If we talk specifically about salaried employees, HDFC Bank has certain basic requirements that need to be fulfilled for HDFC credit card eligibility.

  • Minimum age of 21 years
  • Maximum age of 65 years
  • Resident of India
  • A valid credit score above 650
  • The minimum annual income of Rs 4.2 lakh
  • Regular flow of income
  • Documents – ID proof, age proof, salary proof

6. Eligibility Criteria for Self-Employed

If we talk about self-employed professionals, HDFC Bank has these basic requirements for eligibility.

  • Minimum age of 21 years
  • Maximum age of 65 years
  • Resident of India
  • A valid credit score above 650
  • The minimum annual income of Rs 6 lakh
  • Regular flow of income
  • Documents – ID proof, age proof, income proof

How to Apply and Track HDFC Credit Card Application?

You can apply for a new HDFC credit card in multiple ways, but Bankkaro is the only place that offers you real Cashback on a successful application.

  • Go to the HDFC Bank credit page on our website.
  • Click on “Apply Now”
  • Enter your personal details. Enter your mobile number and click on “Send OTP”
  • Fill out the rest of the application
  • Wait for HDFC Bank to reach out to you. Once approved, your Cashback will reflect in your wallet.
  • To track your application, log in to our website and go to “Track Application” to see the current status of your HDFC credit card application.

How to Improve Your HDFC credit card eligibility?

Here are some tips and tricks to improve your chances of becoming eligible for your dream HDFC credit card.

  • Manage your existing accounts well: Make sure you clear dues on your existing loan and credit card accounts. Also, keep your credit utilization ratio in check before you apply. It shouldn’t be too high to raise a red flag.
  • Improve your relationship with the bank: HDFC Bank recognizes its valuable customers. If you have been an HDFC Bank user with salary accounts, FDs, Demat accounts, and more, the bank will be more keen to provide you with your desired credit card.
  • Mention all sources of income: In case you are self-employed or generally have multiple sources of income, it is better to provide proof for all at the time of application to improve your chances.

For general tips on how to improve your credit score, check out this blog. and once you get your credit card you can also read How to check HDFC credit card statement to check your HDFC credit card statement.

Income Eligibility Criteria For HDFC Credit card

Credit Card Minimum Income Required (for salaried)* Minimum Income Required (for self-employed)*
HDFC Bank MillenniaRs 4.2 lakhsRs 6 lakhs
HDFC Bank MoneyBackRs 3 lakhsRs 6 lakhs
HDFC Bank RegaliaRs 12 lakhsRs 12 lakhs
HDFC Bank InterMiles PlatinumRs 3.6 lakhsRs 6 lakhs
HDFC Bank IndianOilRs 1.2 lakhsRs 6 lakhs
HDFC Bank Business RegaliaN/ARs 12 lakhs
HDFC Bank Diners BlackRs 21 lakhsRs 21 lakhs
HDFC Bank InfiniaInvite-onlyInvite-only
* – per annum


Am I eligible for a lifetime free HDFC Bank credit card?

Yes, most customers are now eligible for lifetime free HDFC Bank credit cards. You can choose from Millennia, Regalia, and more. Certain super-premium cards like Infinia might not be eligible for this feature.

I am a salaried individual. Which HDFC credit card will I be eligible for?

You will be eligible for all HDFC credit cards given your income matches the minimum eligibility criteria for the card you are applying for.

What is the maximum limit of an HDFC credit card?

The maximum limit of an HDFC credit card is usually between Rs 10-15 lakhs, applicable only on super-premium credit cards like the Infinia and Diners Black.

Can I get an HDFC credit card with a 12000 salary?

Yes, you can get a basic HDFC credit card with a monthly salary of Rs 12,000. You can choose from HDFC Bank Freedom card and IndianOil card for this criteria.

What is the minimum salary for an HDFC credit card?

While, officially, the minimum salary for an HDFC credit card is Rs 12,000 per month, usually the rewarding cards require a gross monthly salary income of Rs 35,000 for easy approval.

Should I apply for a credit card again right after my first application is rejected?

Don’t apply right after the first application is rejected. Go back to improving your credit score and then come back for your second application after about 3 months.

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