HDFC Banks offers multiple credit cards across different categories and each of them has different eligibility requirements. Some high-end cards require a very high income while some entry-level cards require a lower income. If you meet the eligibility requirements and have the necessary documents, then it is easy to get almost every HDFC Bank credit card.
Usually, the age requirements for every HDFC Bank Credit Card is same but the minimum income and credit score requirements are different. You will need a higher income and credit score to apply for a sup premium card as compared to a basic, beginner-friendly card. These are the basic requirements you must pass to apply for any HDFC credit card –
- The applicant should be between 21 to 65 years of age and any add-on cardholder must be above 18 years of age.
- The applicant must have a stable income source and must meet the minimum income requirement for the card he wants to apply for.
- The applicant should have a good credit score and a decent credit history.
After meeting these basic requirements, a candidate must provide the necessary documents to apply for his credit card of choice. Here are the documents that are needed –
ID Proof – Aadhar Card, PAN Card, Passport, Driving License, Voter Card, etc.
Address Proof – Aadhar Card, Electricity or Telephone Bill, Driving License, Passport, Voter Card, etc.
Income Proof – Latest salary slips or audited ITR
If you have all the necessary documents and meet the eligibility requirements, you can easily get an HDFC Bank credit card.
The following are some popular credit cards that have low minimum income requirements that you can easily apply for and get approved –
HFDC Bank Easy EMI Credit Card – This card requires a monthly income of Rs. 10,000 per month and provides some great cashback offers. You can convert eligible purchases to easy EMIs and you get 500 CashPoints as a welcome benefit.
IndianOil HDFC Bank Credit Card – A co-branded credit card by IndianOil and HDFC Bank, this credit card requires a minimum monthly income of Rs. 10,000 and can let you earn 50 litres of free fuel per year. You earn fuel points on spending with this card which can be redeemed for both fuel as well as other products or vouchers.
HDFC Freedom Credit Card – This card targets first-time credit cardholders and requires a minimum monthly income of Rs. 12,000. You get accelerated reward points on various popular merchants and can get the annual fee waived off by spending Rs. 50,000 in the year.
HDFC Bharat Credit Card – The HDFC Bharat card also requires a minimum monthly income of Rs. 12,000 and offers up to 5% cashback on groceries, utility bills, mobile recharges, etc. You also save money on fuel and get 5% cashback on booking IRCTC railway tickets.
These are some HDFC Bank credit cards that you can get easily. Make sure you meet all the requirements and have the necessary documents for quick approval of your credit card application.