{"id":2847,"date":"2021-12-07T12:06:51","date_gmt":"2021-12-07T12:06:51","guid":{"rendered":"https:\/\/bankkaro.com\/blog\/?p=2847"},"modified":"2022-09-07T12:55:49","modified_gmt":"2022-09-07T12:55:49","slug":"how-to-check-hdfc-credit-card-eligibility","status":"publish","type":"post","link":"https:\/\/bankkaro.com\/blog\/how-to-check-hdfc-credit-card-eligibility\/2847\/","title":{"rendered":"How to Check HDFC Credit Card Eligibility?"},"content":{"rendered":"\n

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<\/strong>, 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. <\/p>\n\n\n\n

Factors Affecting HDFC Credit Card Eligibility<\/strong><\/h2>\n\n\n\n

HDFC Bank credit cards are issued on the basis of 4 major criteria \u2013 age, income, credit <\/strong>score, and location among others. Let\u2019s discuss them in detail.<\/p>\n\n\n\n

1. Age<\/h3>\n\n\n\n

As for every major bank in India, you need to be a minimum of 18 years<\/strong> of age to apply and be eligible for a new HDFC credit card<\/strong>. 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.<\/p>\n\n\n\n

2. Income<\/h3>\n\n\n\n

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<\/strong> 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.<\/p>\n\n\n\n

3. Credit history<\/h3>\n\n\n\n

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.Also, you can check how to pay HDFC Credit Card bill?<\/a> to know how you can check your HDFC Credit Card bill.<\/p>\n\n\n\n

4. Nationality<\/h3>\n\n\n\n

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

4. Location<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

5. Eligibility Criteria for Salaried Employees<\/span><\/h3>\n\n\n\n

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