The HDFC Bank offers various types of credit cards to suit the needs of various segments of customers. The bank also offers special rewards programs for their customers to make it more attractive to use their cards. So, let’s see how to apply for HDFC credit card.
Topics Discussed in This Article:
- What is the eligibility for getting HDFC credit card
- Salary requirement for HDFC credit card
- Can I get HDFC credit card without salary
- How to apply for HDFC credit card
- Which type of credit card is best in HDFC
- What Decides the limit of HDFC credit card and which bank gives credit card easily
HDFC credit card offers cashback on shopping, dining and entertainment. HDFC is the second largest bank in India by market capitalization and fourth largest by assets.
The HDFC credit card has a number of benefits which include:
– A low interest rate, free purchase protection insurance, free travel insurance, save money on purchases, annual fee waiver, zero liability for fraudulent transactions, 24×7 customer care service etc.
What is the Eligibility for HDFC Credit Card
HDFC Bank offers a range of credit cards that suit a variety of needs and lifestyles. The HDFC credit card is an excellent choice for people who are looking for a card that offers low interest rates and no annual fee.
- 18 years or older, but should not cross 70 years
- Resident in India
- Minimum annual income of INR 1,44,000 with proof per annum or INR 25,000 per month
- A good credit history
To get HDFC credit card, you must have an account in the bank. If you don’t have an account, you can open it with some necessary documents and information either by visiting bank or via online.
Can I Get HDFC Credit Card Without Salary
HDFC cards are one of the best and most popular credit cards in India. But, It is quite difficult to get an HDFC credit card if you don’t have a salary because it requires at least Rs. 25,000 per month as income for cardholders.
HDFC Credit Card is a credit card that has been around for more than two decades now. The company has come up with different and innovative offers over the years to make it as competitive as possible in the market.
The most recent offer by HDFC is their Zero Liability Protection on Card Transactions which gives you protection from any unauthorized transactions on your account. You can also get cash back offers and discounts on your purchases with this card.
How to Apply for HDFC Credit Card
The process to apply for a HDFC credit card is not complicated and you can start the application process online as well.
You need to provide your personal details like name, email address, etc. and your residential address. You will also need to provide some personal information like PAN number and bank account number.
After providing all this information, you will need to submit a photograph of yourself with the application form and it will be verified by HDFC customer service team before getting approved for the credit card.
5 Easy Steps to Apply for HDFC Credit Card:
- Go to website of HDFC bank
- On right side, choose credit card option and click on apply online option
- When you click on apply option, a new tab will be open
- Fill out, name, date of birth, mobile, email, city, pin code, pan number, and income
- Finally, tick the I authorize option, complete the captcha and click on submit.
For those who are using the net banking of HDFC bank, they can easily apply for credit cards through net banking. There you will find the option of apply for credit cards.
How Many Days Will It Take to Get a HDFC Credit Card
Once you submit the form and apply for the credit card, you will be contacted by the bank within 3-5 days to complete the formalities and receive your card.
It can take the maximum of 21 working days to get HDFC credit card.
HDFC offers customers a variety of credit cards that suit their specific needs. Whether it is rewards points or great cash back deals, HDFC has something for everyone.
Types of Credit Card Offered by HDFC Bank and Which One is Best
HDFC bank actually offers 8 types of credit cards i.e. regular, premium, super premium, co-branded cards, commercial or business cards, CashBack cards, secured cards and prepaid credit cards.
Which type of credit card is best in HDFC?
This question is not easy to answer. There are many factors that come into play when you want to decide which type of credit card is best for you. For example, the interest rates, annual fees, rewards, and other features. It can be difficult to make a decision about what type of credit card is best for you without doing some research first.
- The most popular types of cards are cash back cards. If you spend a lot on gas each month or fly often then these types of cards may be the best choice for you.
However, if your spending habits are more varied then it might be better to go with a general-purpose card that offers no rewards but has a low interest rate.
What Decides the Limit of HDFC Credit Card and Which Bank Gives Credit Card Easily
The limit of a credit card is decided by the bank. It is based on a number of factors such as the borrower’s credit history, their income and other financial commitments.
Some banks set a higher credit limit for customers with good credit history and low risk of defaulting on their payments.
Which Bank Gives Credit Card Easily in India?
Some banks are more lenient than others and will give out credit cards without too many requirements.
If you have had a bankruptcy or default in the past, it might be difficult to get a credit card from some banks.
Some banks also require higher incomes than others and this can make it difficult for lower-income earners to get approved for a credit card.
If you are looking for a card that is easy to get, then ICICI bank is the best option.
ICICI Bank has been offering credit cards for more than a decade now. Their credit cards have been one of the most popular options in India when it comes to getting a card with no-frills.
So, this is how to apply for HDFC credit card in jut 5 easy steps. Before applying for a credit card, you must at first gather all the information about the bank and clear your all confusions.
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