By Divya Shokeen
Updated On October 16, 2021

HDFC Bank offers a wide array of credit cards that meet all your requirements. from lifestyle credit cards to fuel credit cards. This article will provide you the eligibility criteria followed by HDFC Bank while issuing the credit cards and factors affecting HDFC credit card eligibility.

HDFC Credit Card eligibility

Eligibility Criteria for HDFC Bank credit cards

Following is the age and salary requirement followed by the HDFC Bank.

Applicant Age requirement Salary/Income requirement
Salaried Employees 21-60 years Differ from card to card
Self-employed individuals 21-65 years Differ from card to card

Documents required to apply for an HDFC Bank Credit Card

Keep the given below documents handy while applying for an HDFC Bank Credit Card. For applying online you will need scanned copies and photocopies while applying for a credit card by visiting the branch.

Identity Proof
(any one)
Aadhaar Card, Driving Licence, Voter’s Id, Pan Card, Passport, or any other government-approved ID.
Address Proof
(any one)
Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or any other government-approved ID. 
Income Proof 
(any one)
Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc.

Credit Cards offered by HDFC Bank

HDFC Bank provides you a wide range of credit cards, top credit cards with eligibility requirements are discussed below:

Credit Cards Age  Income/Salary
HDFC Bank Infinia Credit Card 21-60 years for salaried employees
21-65 years for self-employed individual
Invite Only
HDFC Bank Diners Club Black Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 1.75 lakhs p.m. for salaried employees.
Minimum annual income of Rs. 21 lakhs p.a. for self-employed.
HDFC Bank Regalia Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 70,000 p.m. for salaried employees.
Minimum annual income of Rs. 8.4 lakhs p.a. for self-employed.
HDFC Bank Millennia Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 25,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
HDFC Diners Club Privilege Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 70,000 p.m. for salaried employees.
Minimum annual income of Rs. 8.4 lakhs p.a. for self-employed.
6E Rewards - IndiGo HDFC Bank Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs.20,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
6E Rewards XL - IndiGo HDFC Bank Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 1,20,000 p.m. for salaried employees.
Minimum annual income of Rs. 14.4 lakhs p.a. for self-employed.
IndianOil HDFC Bank Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 10,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
InterMiles HDFC Bank Platinum Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 30,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
InterMiles HDFC Bank Diners Club Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 1,75,000 p.m. for salaried employees.
Minimum annual income of Rs. 21 lakhs p.a. for self-employed.
InterMiles HDFC Bank Signature Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 90,000 p.m. for salaried employees.
Minimum annual income of Rs. 12 lakhs p.a. for self-employed.
HDFC Bank Easy EMI Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 10,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
HDFC Platinum Times Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 35,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
HDFC Titanium Times Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 25,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
HDFC Bank MoneyBack Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 25,000 p.m. for salaried employees.
Minimum annual income of Rs. 6 lakhs p.a. for self-employed.
HDFC Bank Diners ClubMiles Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 30,000 p.m. for salaried employees.
Minimum annual income of Rs. 3.6 lakhs p.a. for self-employed.
HDFC Bank Freedom Credit Card 21-60 years for salaried employees
21-65 years for self-employed individuals
Minimum monthly salary of Rs. 12,000 p.m. for salaried employees.
Minimum annual income of Rs. 2 lakhs p.a. for self-employed.

Factors that affect your HDFC Bank credit card eligibility

  1. Multiple Applications: Sending applications for multiple credit cards in one go can have a negative effect on your HDFC Credit Card eligibility. It can lead to the rejection of all the applications. It is better to send an application for one credit card that fulfills all the requirements.
  2. Payment Default: Never ever default in repaying unsecured debt. Late payment can lead to the mention of the defaulter in your credit history which altogether makes it really difficult to get a credit card affect your eligibility negatively.
  3. Age: The applicant’s age matters a lot to the credit card issuers while issuing a credit card. For HDFC Bank credit cards the minimum age requirement is 21 years, the applicant applying for a credit card below this age, HDFC Bank will reject their application.
  4. Income: Income requirements for HDFC Bank credit cards differ from card to card. Having a stable income can affect the HDFC Bank Credit Card Eligibility in a positive way and increases the chances of getting your credit card application approved.
  5. Credit Score: credit score is an important factor while applying for a credit card. A bad credit score has a negative impact on HDFC Bank’s credit card eligibility. The chances of your application getting accepted reduce.
  6. Employment: Employment determines your income stability. If you don’t have a stable source of income there are chances that the card issuer will reject your application. Most card issuers issue credit cards to salaried or self-employed individuals only.

How to improve your HDFC Bank credit card eligibility:

There are many ways through which you can improve your credit eligibility, a few of them are as follows:

  1. Increase Credit score: You can improve your HDFC Bank credit card eligibility by improving your credit score. Having said that, to improve your credit score you need to clear your dues or if you have no dues or credit history then you can start your credit journey by taking an entry-level credit card or secured credit card.
  2. Paying bills on time: Having no dues can have a positive impact on HDFC Bank credit card eligibility. The chances of your application getting approved increase when you pay all your bills on time.
  3. Reducing debt-to-income ratio: Having a stable income and less debt can help you get a credit card easily.
    Sending one application: Avoid sending applications for multiple credit cards at the same time. Send an application for one credit card that suits your profile as it increases the chances of your credit card application getting approved.

FAQs:

You need to wait at least 3 months to re-apply for a credit card if your application just got rejected.

There are ample reasons for the rejection of a credit card such as, not meeting the eligibility requirement, having poor or no credit history, wrong submission of documents, etc.

To increase the chances of credit card application approval, you are required to meet the age and income eligibility requirements, avoid sending multiple applications, clear your debts before applying for a credit card, etc.