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.

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

  1. MANU KUMAR

    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

    Reply
    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.

      Reply
  2. TARIQ BASHIR TANTRY

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

    Reply
    1. Siddharth Post author

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

      Reply
  3. Vandana

    Hi,

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

    Reply
    1. Siddharth Post author

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

      Reply
  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.
    Regards,
    zohaib

    Reply
    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.

      Reply
  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.?

    Reply
    1. Siddharth Post author

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

      Reply
  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

    Reply
  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.

    Thanks

    Reply
  8. Sumit

    The credit limit of my HDFC Moneyback Credit Card is 3 lac. Can this be enhanced further? What is the higher limit?

    Reply
  9. Selva

    Hi,

    My currently sallary is 20000 in this basis what would be my credit card limit in HDFC Bank?
    Please respond any one.

    Reply
  10. khushpreet singh

    Hello siddharth
    I have regalia credit card of limit 416000.i want to upgrad it to infinia .but my itr is too low about 4lakh .am i elligible for infinia.plz tell m

    Reply
  11. Vikrant Rathi

    Hello sir my credit carfd limit is 65000 how to incress limit online

    Reply
  12. Vikram

    The bank is not very rigid about these limits. While receiving a higher limit than the max mentioned here is possible, it’s even more possible to get a lower limit. My card path with HDFC is Platinum Plus EMV => Diners Rewardz => Diners Black. With Platinum Plus EMV I initially had 84K which was doubled in a year considering my spends. Then when the card expired I got it upgraded to Diners Rewards (based on my request) and the limit was enhanced to 2L. I used this card for 3 years till it expired. In the course of this time the credit limit was enhanced to 2.6. Close to the expiry of the card I requested for upgrade to Diners Black. I was instead given option to upgrade to Regalia as the min limit for upgrading to Diners Black was 3L in your current card. But since my limit upgrade was due I chose it and had the limit enhanced to 3.6L and then got the card upgraded to Diners Black with a limit of 4L. But I had to give bank statements and current salary proofs again as this was quite an upgrade. I’ve been a HDFC credit card customer for more than 6 years now. My next target is Infinia but for me Infinia is more of a prestige card because no card has been as beneficial as the Diners Black for me at least.

    Reply
    1. Captain Bishuddha Bharatiya

      Vikram how much was your salary everytime when you asked for upgrade and what was your mode of upgrade ( RM, Customer Care or form to Chennai ).

      Reply
  13. Vikas Chander

    I have been issued Diners Rewards with Limit of Red. 150000/-, whereas my annual income is above Rs. 8 lace. Can I apply for upgradation and if so to which card of HDFC. Please suggest?.

    Reply
    1. Siddharth Post author

      You can upgrade to Diners premium or Regalia after 6 months. Depends on your needs.

      Reply
  14. Nikhilraj

    hey siddharth , i got a credit card from hdfc and my salary is only around 11,500,the bank is giving credit cards for only the employees where i m employed at less then 20k salary.In that case what would be my limit? and why they issue credit cards when the limit amount is close to the salary? as if i want to buy some item worth 20k or 15k,i would rather wait for a month or two to save that amount,is there any perks of using credit cards ?what are the interest rate on using the cards for payments apart from the annual fee they charge?

    Reply
    1. Siddharth Post author

      interest varies a lot based on offers and card. Initial credit limit is usually 1x to 2x of your monthly salary.

      Reply
  15. Satinder Pal SIngh

    Hi I have Platinum plus Hdfc credit card of limit rs 95000 and I want to upgrade it to regalia and increase limit to 4 lakh.My ITR is about 10 lac. what should I do.i called Hdfc customer care and they said they don’t have any offer for upgrading.and limit is usually 80% used of my credit card. what should I do.please guide.

    Reply
    1. Siddharth Post author

      You can ask for limit enhancement every 6 months. Tough to get 4L limit straight away.

      Reply
  16. Shalini Mahajan

    Hi Siddharth, My current salary is 23.7Lakhs and is using Regalia card from last 6-8 months (credit Limit 3 Lakhs).
    Can you please advise if i can go for Diners black card directly or should i increase the credit limit first and then go for the diners black ? Also how much are my chances of getting a Diners card ?

    Thanks in Advance.

    Reply
    1. Siddharth Post author

      You’ve got 99% chance.
      Apply for Upgrade + Limit Enhancement and you’ll certainly get the card 🙂

      Reply
      1. Shalini Mahajan

        Thanks a lot Siddharth for the reply 🙂 I will go for upgrade + Limit Enhancement as per your suggestion.

        Reply
  17. Shalini Mahajan

    Sorry for bugging you again – If i will go for Diners black CC upgrade …do i need to pay every year the annual fee ? and what is best procedure to upgrade – through calling customer care or going to bank branch or through email(if any ) ?

    Thanks in advance

    Reply
    1. Siddharth Post author

      branch is better for premium card upgrades. Fee depends on your card usage etc. You can get waiver too on 5L/yr spend.

      Reply
      1. Shalini Mahajan

        Hi Siddharth,

        Today i got my Diners black CC. Thanks a lot for helping me out for earlier queries 🙂

        I just have one small doubt – The add on card for my parents also will have the same rewards criterion the one that primary holder is having ? i believe answer is Yes…just wanted to confirm with you once.

        Thanks as always 🙂

        Reply
  18. Mustafa Khan

    Dear Siddharth,

    Good Afternoon,

    My Gross Salary is 25200/- PM i.e 3 Lacs PA, after deduction i receive 20500/- in hand,
    Please suggest me good credit card for shopping and also can you let me be know the credit limit which i can get on the basis of this salary, Im applying for credit card for the first time at HDFC (Mumbai)

    Reply
  19. Vikas Chander

    Hey Siddharth. First of all tks to u for suggesting me earlier also.
    I have annual salary of Rs. 8 lac plus. Which card would be good for me in terms of annual fee or without fee and spending is Rs. 1.5 lacs plus.

    Reply
  20. Arun

    I want indusind bank credit card….but problem is that . What is the salary criteria for it. Which card is better from indusind,hdfc,icici,citi.banks

    Reply
  21. Harshika

    thanks, your website has useful information. Definitely more useful than my RM.

    Reply
  22. subham padhy

    My dad’s offical net salary after deductions is about 11000 under central government. Also we got a lot more income from other sources. Past/civil record is clean. Not a single defaulter in any case! I want a credit card of limit 30,000-40,000 on basis of salary. Is it possible?

    Reply
    1. Siddharth Post author

      Other sources reflects on ITR?
      If so, you may get similar limit.

      Reply
  23. subham padhy

    No it isnt shown in the ITR. Is it not possible to get credit card for this much amount of salary,I.e,11,146. ???

    Reply
  24. Mohit

    Hello

    I am mohit sharma..I am currently taking 30 k per month salary . Currently holding regalia First Card . but my credit limit is under 1.5 k as per the supporting documents for the credit limit enhancement i had applied for it but it doesn’t support not more to increase the limit of my card as per my expectation its only increas 20 k in my current limit.is there any other way to increase the limit of card..Thanks

    Reply
  25. Satyam Srivastava

    Hello sir , I have fixed deposit of 25000 .how can I get a credit card and how much in sbi

    Reply
  26. manoj

    hello siddharth , i am getting my basic salary in net is 12,402. for which credit cards i am elgibile and for which bank

    Reply
    1. Siddharth Post author

      You need 18k/m salary to get approved for credit cards.

      Reply
  27. STEVEN J

    I AM USING HDFC MONEYBACK CREDIT CARD
    I AM HAVING A LIMIT OF RS 75,000
    HOW CAN I UPGRADE TO A BETTER CARD.
    I AM NOT GETTING ANY BENEFITS WITH THIS CARD.
    I AM SELF EMPLOYED AND NOT ITR

    Reply

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