HDFC Credit Card Limit – Updated Guide to Check & Increase Limit

Key Insights 
 

• HDFC Credit Card’s limit is set when you open an account and is affected by your income, credit score, and debt load. HDFC Bank set a higher limit for someone making ₹50,000 a month than for someone with ₹25,000.

• HDFC Credit Card offers a free limit increase with no hidden charges through NetBanking or Mobile App when your usage and payment history are good. 
   
• You can maintain a sufficient HDFC credit card limit by keeping your usage below 30% and paying your bills on time, which helps you become eligible for limit increases. 
   

A HDFC Credit Card limit is the maximum amount the bank lets you spend on the card for a billing cycle. HDFC Bank will give you a limit based on your financial history when you get your credit card. 

A person whose credit card limit is ₹1,00,000  and spends ₹80,000 this month. Now, the available limit becomes ₹20,000 until they pay their outstanding dues. 

Let's learn about the factors that affect your HDFC credit card limit and how you can use them to improve your money management.

Factors Affecting HDFC Credit Card Limit

HDFC uses some factors to decide your credit card limit. Let’s understand what factors are and how they affect your limit:
 

You will get a HDFC credit card limit enhancement if your income is increasing, no major EMIs, and a strong repayment record. 

How to Check HDFC Credit Card Limit?

HDFC credit card limit check can be easily done by the following methods:
 

The HDFC credit card limit check acts as a reminder to clear dues before booking more expenses. 

How to Increase HDFC Credit Card Limit Online & Offline?

Maintain proper use of your HDFC Credit card because only eligible customers with a strong repayment history and consistent proof of income are likely to be given a HDFC credit card limit increase. 

You can easily learn how to increase your HDFC credit card limit online using NetBanking, HDFC Mobile App, or other methods: 
 

HDFC Bank asks for recent salary slips, bank statements, Form 16, or the latest Income Tax Return (ITR) as income proof when you apply for a HDFC credit card limit increase.

Bonus Tip: HDFC Bank may offer you a credit limit increase automatically without any request if you consistently make your bill payments on time and maintain a low credit utilization rate!

Tips to Manage HDFC Credit Card Limit

Make daily purchases and maintain your financial situation by managing your credit card. Here are some tips to manage your credit card limit:

• Low credit usage rate: The bank prefers low credit utilization. For example, avoid spending ₹90,000 each cycle if the limit is ₹1,00,000.
   
• Timely payments: On-time payments raise the chances of an HDFC credit card limit increase and build trust.
   
• Track your expenses: Keep track of how much of your limit you have used by HDFC MyCards or statements. 
   
• Don’t reach the full limit: Your credit profile may be impacted, and transactions may be denied if you frequently go over your limit. 
   
• Use a higher limit thoughtfully: A higher limit does not mean you should spend more than you can afford. So, use the HDFC credit card limit thoughtfully. 

Managing your limit properly helps you get better deals and an HDFC credit card limit increase. 

Conclusion 

You can keep your money under control and raise your credit score by carefully managing your HDFC credit card limit. Learn how to increase HDFC credit card limit online safely, monitor your usage, ask for limit reviews on time, and spend sensibly. Use HDFC's official channels for any updates or changes for fast and secure services.

FAQs on HDFC Credit Card Limit

Can I reduce my HDFC credit card limit?
Yes. You can contact HDFC customer care or log in to NetBanking to request a lower limit if you want better budget control or reduced spending risk.

How can I request a credit limit increase on my HDFC card? You can request a limit increase through HDFC NetBanking, the mobile app, or by contacting customer care. If you are eligible, HDFC may also show you a pre-approved limit enhancement option.

How soon after approval will the higher limit reflect?
The new limit usually appears instantly in NetBanking or the HDFC app once approved. It may take until the next billing cycle in some cases.

What happens if I exceed my HDFC credit card limit? Exceeding the limit may lead to over-limit charges, and your transactions can get declined. It can also affect your credit health if not managed properly, so try to stay within your assigned limit.

Can an add-on cardholder get the same limit increase?
No. The HDFC credit card limit enhancement applies only to the primary cardholder’s account, and add-on cards share that same total limit.

 

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.