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HDFC Bank Credit Card Eligibility

HDFC Bank offers a wide variety of credit cards to customers with competitive interest rates on each of its products. You can enjoy a huge list of exciting benefits and features on HDFC credit cards. However, if you are planning to apply for an HDFC credit card, you will have to meet some eligibility criteria.

HDFC

We found 7 HDFC Credit Cards

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1st Year Fee

₹500₹10,000
  • First year fee upto:

    ₹500

Card Fee Type

Card Network

Free Zomato Gold Membership

 100% Paperless Approval
Apply for HDFC Regalia Credit CardOnline

  • HDFC Bank Regalia Card

    1st year fee

    :  

    ₹ 2,500

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Great Offers On Movies & Dining

 100% Paperless Approval
Apply for HDFC Titanium Times Credit Card

  • HDFC Bank Times Titanium

    1st year fee

    :  

    ₹ 500

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Great Offers On Movies & Dining

 100% Paperless Approval
Apply Online for HDFC Platinum Times Credit Card

  • HDFC Bank Times Platinum

    1st year fee

    :  

    ₹ 1,000

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Earn Maximum Airmiles On Your Spends

 100% Paperless Approval
HDFC Bank Diners Club ClubMiles Card

  • HDFC Bank Diners ClubMiles Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

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4 Reward Points On Online Shopping

 100% Paperless Approval
Apply for HDFC Moneyback Credit Card

  • HDFC Bank Moneyback Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

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High On Rewards And Dining Privileges

 100% Paperless Approval
Apply for HDFC Regalia First Credit CardOnline

  • HDFC Bank Regalia First Card

    1st year fee

    :  

    ₹ 1,000

    ₹ 0

    *See details

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10x Points At Select Partners

 100% Paperless Approval
HDFC Diners Club Black Credit Card - Apply Online

  • HDFC Bank Diners Club Black Card

    1st year fee

    :  

    ₹ 10,000

    ₹ 0

    *See details

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Updated On - 06 Sep 2025
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Here are the basic eligibility criteria required to apply for HDFC Credit Cards,

  1. Applicant should be at least 21 years old and the age of the add-on cardholder must be above 18 years.
  2. Applicant should be salaried or self-employed.
  3. The minimum salary is Rs.12,000 per month for a salaried person, while its Rs.2 lakh per annum for self-employed individuals.
  4. Applicant should have a regular source of income and a good credit score.

Eligibility Criteria for Top HDFC Bank Credit Cards

  • HDFC Bank Diners Club Black Credit Card

    HDFC Bank Diners Club Black Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.1.75Lakh p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.21 Lakh p.a for Self Employed.
  • HDFC Bank Regalia Credit Card

    HDFC Bank Regalia Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.1.20Lakh p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.12 Lakh p.a for Self Employed.
    5. The card is offered for Non-Resident (NR) account holders only.
  • HDFC Bank Regalia First Credit Card

    HDFC Bank Regalia First Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.40000 p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.5 Lakh p.a for Self Employed.
  • HDFC Bank Diners ClubMiles Credit Card

    HDFC Bank Diners ClubMiles Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.30000 p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.3.6 Lakh p.a for Self Employed.
  • HDFC Bank Bharat CashBack Credit Card

    HDFC Bank Bharat CashBack Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.12000 p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.2 Lakh p.a for Self Employed.
  • HDFC Bank Freedom Credit Card

    HDFC Bank Freedom Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. The Minimum income salary for this card is Rs.12000 p.m. for Salaried.
    4. The Minimum income salary for this card is Rs.2 Lakh p.a for Self Employed.
  • HDFC Bank MoneyBack Credit Card

    HDFC Bank MoneyBack Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.
  • HDFC Bank Platinum Times Credit Card

    HDFC Bank Platinum Times Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.
  • HDFC Bank Titanium Times Credit Card

    HDFC Bank Titanium Times Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.
  • HDFC Bank Business MoneyBack Credit Card

    HDFC Bank Business MoneyBack Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.
  • HDFC Bank Platinum Edge Credit Card

    HDFC Bank Platinum Edge Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.
  • HDFC Bank Titanium Edge Credit Card

    HDFC Bank Titanium Edge Credit Card

    Eligibility Criteria

    1. Applicant must be between age of 21-60 Years for Salaried.
    2. Applicant must be age of 21-65 Years for Self Employed.
    3. Check with the Bank for Minimum Salary Required for this Card.

Documents Required to Apply for HDFC Credit Cards

The following are the basic documents required to apply for any HDFC Credit Cards,

  1. KYC-PAN, Address proof and ID Proof
  2. One photograph, Salary slip/Form 16
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Factors That Affect Your HDFC Bank Credit Card Eligibility

There are several factors that have a considerable impact on your eligibility for an HDFC Bank credit card. A few of these are

  1. Age: It's one of the most basic factors that you need to consider before applying for an HDFC Bank credit card. In most cases, you need to be in the age bracket of 21 - 60 years (65 for self-employed persons). If you are too young, it may actually work against you since you are unlikely to possess a healthy credit history and therefore, a good credit score - a criterion that is crucial for you in securing a credit card.
  2. Credit score: This is the most important thing that the bank will look for as soon as you apply for a credit card. Maintaining a healthy credit score is of primary importance for getting a credit card. The credit score is a reflector of your credit worthiness and it depends on your credit history. Generally, lenders prefer individuals who have a credit score of over 750.
  3. Existing credit card balance: Having two or three credit cards can actually work in your favour since it suggests that you have the ability to manage the debts comfortably. However, you must ensure that you use them with discretion and do not miss out on repaying the debts on your existing credit card(s) because that might be a red signal for the bank when it judges your worthiness for the new credit card.
  4. Job stability: While it's very important to have a source of regular income to get a credit card, the stability of your job can also be a determining factor for you. If you keep on switching jobs frequently, it may have a negative impact on your credit score.
  5. Settled accounts: If you don't repay the entire outstanding amount on your existing credit card, in certain cases the credit card provider may settle the case with you by accepting less than the total amount that you owe. However, as a consequence, your credit report will certainly take a hit, and you will face difficulty in getting a loan or a credit card in the future.

How to Improve Your HDFC Bank Credit Card Eligibility

If you don't fulfil some of the criteria or if your application for the credit card has been rejected by the bank, you always have a second chance to avail your HDFC credit card. For this, you need to improve your creditworthiness and there are several ways to do it. A few of them are as follows:

  1. Maintain a low number of credit card applications: You may not be aware of this but it's not a healthy practice for you to raise too many credit card inquiries with multiple credit card providers. This is particularly true if you have already applied for a credit card with one of the card issuers.
  2. Pay your outstanding balance on time: Ensure that you pay all your bills - credit card(s) and otherwise, before or at least on their due date. This is because the credit companies carry out a thorough investigation of your credit repayment history before approving your request for a new credit card.
  3. Mention all your income source in your application: Because credit card issuers need you to have a regular source of a decent income, you need to include all your extra income sources (if you have any) in addition to your primary source. This will help you achieve a desirable debt-to-income ratio that would, in turn, help you get your credit card. However, avoid overstating your income or else it will have an adverse impact on your chances.
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FAQs on HDFC Bank Credit Card Eligibility

  • Am I eligible for a lifetime free HDFC Bank credit card?

    HDFC Bank offers a number of credit cards which can be availed by a customer under the lifetime free scheme. If you are eligible for a lifetime free credit card from HDFC Bank, the same will be communicated to you through SMS, phone call, or email.

  • I am a salaried individual. Which HDFC credit card will I be eligible for?

    HDFC Bank will offer the credit cards on the basis of your eligibility. You can get in touch with the bank or just visit the official website of the bank to check the benefits and eligibility criteria of the cards and choose the best card for yourself accordingly.

  • Can I avail cash advance on my HDFC Bank credit card? Is there a fee charged against the same?

    Yes, you can avail cash advance facility on your HDFC Bank credit cards. You can use the card at ATMs in India and across the globe to withdraw cash. A fee of 2.5% of the withdrawn amount is charged for the same.

  • Why did my credit card application with HDFC Bank get rejected?

    There might be a number of reasons behind the rejection of a credit card application. The most common reason is non-compliance of the eligibility criteria and the mismatch of documents provided for the verification process. You can get in touch with the bank directly to find out the status and know the exact reason behind the rejection of the application.

  • Should I apply for a credit card again right after my first application is rejected?

    Ideally, it is advisable to wait for some time before applying for another credit card with any bank. Too many applications for credit cards will be reflected under your credit history. This portrays you as a credit hungry individual. This, in turn, will affect your credit score as well. Moreover, if there is an enquiry on your account, the credit score is expected to take a hit.

  • What is the minimum salary required for applying for a HDFC credit card?

    The average annual income requirement for salaried individuals and self-employed individuals is between Rs.1,44,000 and Rs.25,00,000.

  • Can I get a credit card without a salary slip?

    Yes. You can get a credit card without a salary slip.

  • What is an HDFC credit card limit?

    HDFC credit card limit varies based on the income and credit score of a cardholder.

  • Is credit card good or bad?

    A credit card offers discounts, offers, and deals that are unmatched by any other financial goods. However, if used improperly or if you spend more than you can afford to pay back when the bill arrives, credit cards can turn into debt traps.

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
Articles on Credit Card
  1. How to Check Credit Card Status
  2. How to Manage Multiple Credit Cards
  3. Best Credit Card for Poor Credit
  4. How to get Credit Card without Job
  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
  8. Advantages & Disadvantages of Credit Card
  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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