Today money is important element to every individual. you fulfill our daily needs with money, most of emergency situations, like to pay your child fee, to pay medical bill, to pay house rent ect…mean while if you do not have sufficient money, then you try to barrow from our friends or relatives. In most of cases we barrow money with interest, you pay interest as per financier  demand. In this scenario CRIDIT CARD is help us. Here  we will discuss, what are the features of hdfc credit card, how to apply hdfc credit card, status of hdfc credit card, how to login hdfc credit card,and payment of hdfc credit card bill.




A great credit card can take you on a brilliant life journey – where you travel, shop and dine your way to happiness.Whether you need to purchase groceries for your home, or plane tickets for that well-deserved vacation. When you apply for an HDFC Bank Credit Card online, you are taking your first step on that journey.


  • Residential status

The applicant should be a resident of India. Some lenders offer cards to Non-Resident Indians too.


  •     Age

This factor differs from lender to lender. The average age requirement for an applicant for all types of cards should be minimum 18 years old and maximum 70.


  • Income

Applicant should either be self-employed or salaried person. He should have a regular source of income. Salary is a crucial deciding factor for credit cards. Someone earning say Rs 50,000 per month is eligible for a different type of card than a person earning Rs 25,000 per month.

On an average, income requirement is between Rs 1,44,000 and Rs 25,00,000 per annum for both salaried persons and self-employed. You may be asked to submit your latest Income Tax Returns copy as income proof.

There are some lenders who give credit cards to low income earners but then the credit limit for such applicants is low and spending is also limited to less than three times the monthly salary.


  • Bank account

Applicant should have a salary or savings bank account. Bank account history, like maintenance of minimum salary balance and no overdrafts, is important.


  • Credit history

The applicant’s CIBIL (Credit Information Bureau [India] Limited) score should be good. Your past history of paying back debts on time and closure of debts is important because if your record is poor, your application may get rejected because this reflects on your ability to pay back credit card bills.

Other factors will include purpose of the card and the city you are living in.



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