{"id":157892,"date":"2024-03-12T13:30:15","date_gmt":"2024-03-12T08:00:15","guid":{"rendered":"https:\/\/www.paisawapas.com\/blog\/?p=157892"},"modified":"2024-03-12T13:30:15","modified_gmt":"2024-03-12T08:00:15","slug":"how-to-apply-for-hdfc-credit-card","status":"publish","type":"post","link":"https:\/\/www.paisawapas.com\/blog\/how-to-apply-for-hdfc-credit-card\/","title":{"rendered":"How to Apply for HDFC Credit Card Online | Eligibility & Steps"},"content":{"rendered":"

How to Apply for HDFC Credit Card:<\/strong> The Indian credit card industry has been facing an uplift since the startup culture. There are many leading banks offering a variety of credit cards with tons of offers and bonuses. However, there’s a prominent name that everyone considers when it comes to credit cards, which is none other than HDFC Bank.\u00a0<\/span><\/p>\n

From safety against online fraud to minimal credit card fees, one can’t go wrong with HDFC Bank. However, most people keep wondering <\/span>how to apply for HDFC credit card<\/b>, which might sound like rocket science to some, but it is as easy as shopping online.\u00a0<\/span><\/p>

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Without talking much about vague stuff, let’s take a deep dive into how to apply HDFC credit card, eligibility criteria, types, and all the stuff you should know about. Let’s get started<\/span><\/p>\n

Table of Contents:<\/h3>\n
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  1. Eligibility criteria for HDFC credit card<\/strong><\/a><\/li>\n
  2. Types of Credit Offered By HDFC<\/strong><\/a><\/li>\n
  3. How to Apply for HDFC Credit Card Online<\/strong><\/a><\/li>\n
  4. How to Apply for HDFC Credit Card Offline<\/strong><\/a><\/li>\n
  5. Fees & Charges For HDFC Credit Card<\/strong><\/a><\/li>\n
  6. How To Activate HDFC Credit Card<\/strong><\/a><\/li>\n<\/ol>\n

    Eligibility criteria for HDFC credit card:<\/b><\/h2>\n

    There are five critical points that HDFC Bank considers. If you pass all the given eligibility criteria points, you can apply:<\/span><\/p>\n

    1. Residential Status<\/b><\/p>\n

    HDFC Bank provides its customers an excellent service and ease while applying for a credit card. However, the applicant should have Indian nationality for most HDFC credit cards. There are many lenders in the market that offer credit cards to non-Indians as well, but HDFC only allows such exceptions for NRIs. <\/span><\/p>\n

    2. Income\u00a0<\/b><\/p>\n

    Just like other leading banks, HDFC also verifies a regular source of income for applicants. One should be a self-employed businessman, a professional service provider, or a salaried person to accommodate HDFC credit card benefits.\u00a0<\/span><\/p>\n

    If the applicant is earning 50,000 INR per month, there are several credit card options to choose from. However, the same can’t be said for a person with 20,000 INR earnings. Some other factors are also considered while offering the credit card and credit limit.\u00a0<\/span><\/p>\n

    The average income required for an applicant is 1,44,000 rupees per annum or 12,000 rupees per month. The applicant is required to submit the latest income tax returns copy for income proof. Also, a person with a poor credit score<\/a> may have a different credit limit than someone, who has a higher credit score for the same income. <\/span><\/p>\n

    3. Age\u00a0<\/b><\/p>\n

    RBI has a strict guideline for who can get the credit card and who can’t. Thus, HDFC bank customers require customers to be at least 18 years of age, and the maximum age limit is 70 years old. <\/span><\/p>\n

    4. Credit History<\/b><\/p>\n

    As discussed before, credit score plays a crucial role in testing eligibility and spending limit for a customer. History of paying back debts, any bounces, and the number of hard inquiries in a specific period are considered.\u00a0<\/span><\/p>\n

    Someone with an existing credit card is also eligible for a new HDFC credit card. However, monthly income and spending are also considered to ensure eligibility for card and spending limit. <\/span><\/p>\n

    5. Bank Account<\/b><\/p>\n

    The applicant must have a bank account, and it is not mandatory to have the account in HDFC Bank. It must be a salary or savings bank account to verify income and spending history. It is important to have no overdrafts and maintain of minimum balance in the account.\u00a0<\/span><\/p>\n

    Once the applicant is eligible for the credit card, he\/she can apply and get a credit card within a couple of days of applying. After getting your first card, it is time to learn <\/span>how to activate an HDFC credit card<\/b> online.\u00a0<\/span><\/p>\n

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    Types of Credit Offered By HDFC:<\/b><\/h2>\n

    Being a leading bank in the Indian market, HDFC offers different types of credit cards for different needs with unique features, offers, and bonuses. As you are learning how to apply HDFC credit card, it is crucial to understand your requirements, the services you use the most, and what kind of offers provide the best value.\u00a0<\/span><\/p>\n