How To Apply For HDFC Credit Card, Eligibility: Step-by-step

Credit cards always come in handy as you don’t have to worry about your savings while paying anywhere. There are different types of credit cards available and based on a person’s income, credit score, etc. a credit limit is sanctioned by the issuer. Currently, HDFC is the most popular bank in India in terms of credit card user base. No other bank comes close to HDFC when it comes to issuing credit cards and managing the users. If you are thinking of applying for a credit card, then we will recommend you to go with HDFC. Although, there are many people out there who don’t have any idea about credit cards.

This post is for them as we will discuss more about HDFC bank credit cards. We will also tell you how to apply for HDFC credit card and get approval easily. Before applying, you must know about the pros and cons of each card type. Also, based on your eligibility certain cards will be made available for you. The right way to get a credit card from HDFC is by visiting its branch or by using the official HDFC bank website. Staying away from third-party or middlemen services will help you in bringing the process and expenses down. So, do give this post a read, and then start your HDFC credit card application process.

How To Apply For HDFC Credit Card, Eligibility & Types

Types of HDFC Credit Cards

HDFC Bank Credit Card Eligibility & Documents Required

1. Identity Proof – You need to submit any or multiple documents among Passport, Aadhaar or Ration Card, PAN card, Vote, a valid Driving Licence or Voters ID card).
2. Address Proof – Some of the eligible documents for address verification are Telephone or Electricity bill (must be of last 3 months), Passport, Ration card, updated Aadhaar card with correct details or Rental agreement (if you live in a rented house).
3. Income Proof (Salaried) – If you are working anywhere then you can submit Recent salary slips. If you are about to join some company or recently left working anywhere then you can submit Employment letter or Salary certificate respectively.
4. Income Proof (Self-Employed) – If you work as a freelancer, then you can submit the most Recent ITR. If you own any business, then you can provide Audited P&L statement or balance sheet and Certified financials.

HDFC Credit Card Application Process

• Visit the official HDFC bank website – https://www.hdfcbank.com/
• Use the What Are You Looking For? section to enter the credit card section. Here’s what you need to select in the drop-down menu:

Select Product Type -> Cards
Select Product -> Credit Cards

• Click on Apply Online and you will be taken to a new page.

• Now, you need to provide your Mobile Number to get an OTP for verification.
• Also, you will be asked to enter DOB (Date of Birth) for age verification. Once entered, click on Get OTP.
• On the next page, you will have to provide some of your personal information. Once done, click on Continue.

• To check your eligibility, you will have to enter your Employment Information.
• Select Self-Employed or Salaried along with Income Per Year.
• Click on Show Eligible Cards.

• A slide of all cards that you can apply for will be shown to you. You can read more about each card to know its benefits, charges, and all.
• You can also select other options related to your card and once done, click on Apply Now.

• Your application will be submitted successfully and will be fulfilled in a week or so.
• You will get a SMS related to your credit card application on the mobile number that you have provided.
• You might get a verification call from the HDFC bank too.

How To Generate HDFC Bank Credit Card Pin

You can create a new HDFC Credit Card PIN by IVR, NetBanking, or using one of its ATM machines. You can select one method among these and follow our special step-by-step credit card PIN generation method to get it done without any assistance.

Using IVR:

1. Call the Toll-Free number from your registered mobile number with an HDFC credit card – 1860 266 0333
2. Now, enter the Last 4 Digits of your credit card and press # (hash) using the dialer.
3. Depending on what option the call gives you, press the digit to generate a new pin.
4. Generally, the call will ask you to Dial 1 to generate HDFC credit card PIN.
5. You need to generate an OTP too. To do that, Dial 1 again.
6. Now, use the dialer to enter the OTP you’ve received.
7. Once done, you will be asked to enter 4 Digits you want to set as your credit card PIN.
8. Your HDFC credit card PIN will be reset and you will get a confirmation message/mail about the same.

Using NetBanking:

• Open the official HDFC NetBanking website – https://netbanking.hdfcbank.com/netbanking/
• You can enter your Customer ID or User ID (which you have created above).
• Also, enter the account Password and click on Log In to get into your account settings.
• Now, click on Cards -> Request -> Instant PIN Generation.

• Use the Drop-Down menu to select the credit card number.
• Enter New Credit Card PIN in the given fields (2 times).

• Click on Continue and a new page to validate your login will show up on your screen.
• You need to validate changes by entering the OTP.
• Tick mark the mobile number and tap Continue.
• An OTP verification code will be delivered to your mobile.

• An OTP will be sent to your registered mobile number.
• Enter the OTP and your PIN will reset automatically.

How To Register Credit Card In HDFC Net Banking

Linking your HDFC credit card to a bank account helps in managing it. You can easily get statements and customize the transaction limits using HDFC mobile app or net banking. You can follow the steps mentioned below to do HDFC credit card registration online using HDFC net banking:

Things You Will Need:

1. HDFC Credit Card (to see its number and validity).
2. Access to the registered mobile number.
3. HDFC customer ID (if you already have a bank account).

Using NetBanking

• First of all, visit the official HDFC online banking page – https://www.hdfcbank.com/personal/ways-to-bank/online-banking
• Under the Credit Card NetBanking option on this page, you need to click on the Register Online option.

• You will be redirected to Online Registration For HDFC Credit Cards page.
• The information asked on this page must be entered by the user and you must store them somewhere safe.
• You need to remember all the input. So, enter the details and click on Submit button.

• On the next screen, you will have to verify your mobile number. Once done, click on Continue and an OTP will be sent on that number.
• Now, enter the OTP you’ve received and click on Continue.

• To set your HDFC credit card’s IPIN, the details of the card must be entered.
• Once you have entered these, your account will be created successfully.
• Navigate back to the HDFC NetBanking login page and use your Customer ID/User ID or IPIN to log in to your account.
• In your account, click on the Cards option then on Request -> Register New Car

• The only required information here are Card Number and Expiry Date (to validate only working cards).
• You will also have to enter your Date of Birth or Credit Card PIN in order to register your card.

• Click on Submit button when you have entered the required details.
• An OTP will be sent to your registered mobile number. Simply, enter it and click on Continue.
• DONE! Your HDFC credit card is now successfully registered and linked to your HDFC account.

How To Increase Credit Card Limit In HDFC Bank Credit Card

The credit card limit is set by the bank itself and they take various factors into consideration while setting the limit for a customer. The limit varies from person to person and the type of card you are applying for. Though you can increase the credit limit on HDFC credit card and the same goes for other banks too. Below we have shared some quick tips that you can consider to increase your HDFC credit card limit.

• Provide Updated Financial Information – If you already have an HDFC credit card, then the limit of it was set based on the financial information you have provided at the time of applying for the card. If you think your income and financial status have increased since then, then you can provide such information to the bank. Doing so will help the bank in increasing your credit limit.
• Improve Your Overall Credit Score – Every credit card and “pay later” type of app/service affects your credit score. It doesn’t matter how many credit cards you have, if you have a good credit score, then the bank will automatically assign a higher credit amount to you.
• Pay Your Credit Dues On Time – Don’t keep your EMIs or Credit Card bills pending as they affect your credit score. If you will pay your dues on time then it will leave a positive impact on the bank and they might consider your request to increase your credit limit. Keeping your expenses within the limit and paying dues on time is key to getting your credit card limit increased.
• Wait For Auto Annual Increase – Most banks automatically increase the credit limit of customers who have paid their dues on time and has maintained a good credit score. You must keep using your HDFC credit card for some time and you will automatically get mail regarding the increased credit limit offer.

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Final Words

Based on our survey, HDFC offers higher credit limits than other banks and that is the only reason why people prefer using it over other banks. Also, the application process is very simple and you can also do video-KYC if you don’t have a bank account with HDFC. We hope this post has cleared many of our doubts about HDFC credit cards.

You can visit the HDFC credit card official page to get information about the latest changes and credit limits. We hope now you know how to apply for HDFC bank credit card easily. If you have any more questions related to HDFC bank credit card eligibility then you can contact us for detailed procedure and documentation.

Cardtopedia

My name is Card-Topedia, and I’m the author of Cardtopedia.com, a blog about credit cards and banking. I’ve been passionate about fintech since graduating from university with an honours degree in finance. I currently live in London but have experience living and working abroad in several countries including Germany and Australia. With my financial background and personal experience, I’m passionate about helping people make informed decisions when it comes to credit cards and banking products. Through Cardtopedia, I provide unbiased reviews, tips and advice on how to maximize rewards while minimizing fees. My goal is to help readers simplify their finances so they can focus on what matters most – achieving financial freedom!