Credit Limits on Top 12 HDFC Bank Credit Cards

By | January 12, 2016

hdfc_infinia_credit_cardJust applied for HDFC credit card and wondering what Credit limit you’re likely to get? see below for the list of popular HDFC credit cards with expected limits as on 2016.

Beginner & Premium HDFC Credit Card Limits:

Business Credit Cards:

Super Premium Credit Cards:

Increasing your HDFC Credit Card Limit:

While these are expected lower/upper limits on the mentioned cards, you can expect even higher credit limits on beginner cards based on these 5 Factors Influencing Your Credit Card Limit almost with any bank. Usually when you reach the upper limit of the cards mentioned above, you will get a free offer to upgrade your card to the next better card.

Upgrade offers with HDFC shows up every 3-6 months once and it depends on each customer profile. Sometimes you’ll also get credit limit enhancement on your card along with upgrade, provided your usage and payment pattern is good. Need better Credit Limit? here are 7 proven steps to increase Your Credit Card Limit easily. Got queries? Drop your comments below.

14 thoughts on “Credit Limits on Top 12 HDFC Bank Credit Cards


    Hello Siddhartha,

    Today only I applied for upgradation to Regalia through my RM and just now I received an Email confirmation that my Card can be upgraded To DINERS Rewards..

    Now the question Is How can I be eligible for Regalia but Not Diners Premium..

    2ndly If I have to choose b/w Rewards and Regalia which way should I go..

    Pls advice, thanks in advance

    1. Siddharth Post author

      RM generally doesnt know much. Ask bank directly over email.
      If you’re eligible for regalia, Diners premium is easy to get.

      Rewards or Regalia: answer is, if you want 10x rewards, go for Rewardz, else Regalia.


    I am having hdfc money back credit card with limit of rs 30000. I want to enhance my credit card limit. Please guide me

    1. Siddharth Post author

      Send your latest salary slip and request for a limit enhancement.

  3. Vandana


    My currently sallary is 32000 in this basis what would be my credit card limit .

    1. Siddharth Post author

      Credit card itself is not issued for less than 20k salary range in most banks.

  4. Zohaib khan

    Helo sir,
    my salary is 25k pm .i want a credit card of above 1 lakh limit.
    How can i apply for that n which one.

    1. Siddharth Post author

      Tough to get 1 L limit with 25k Salary for first time.
      You will generally get 2X to 3X of your monthly income.

  5. nagndra gupta

    hi, my salary is 39k. money back credit card offered me with life time free.but now i called customer care to confirm this now they are telling 575 rs per annum. Now what is the procedure to cancel this? why they give wrong information when offering a card.?

    1. Siddharth Post author

      Not to worry. There is a spend based waiver. Try to reach that.

  6. Darpan

    Now I got Hdfc credit card of 50,000 limit, now in future I want to increase the limit, so what are the points to take care. Thanks

  7. Rahul Raushan

    Dear Sir,

    i want to apply a credit card and my total salary is 30k but i get in hand after pf+pt deduction around 27,160rs. please suggest me a very good card where i can use for fuel, shopping and other things with cashback also. i want a card with min limit 50000 and max limit 1lac or below 1lac. please suggest me because i want to apply asap.



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