How to Get 4 Credit Cards from HDFC Bank

By | September 30, 2016

Its a known fact that HDFC issues only one credit card for majority of their customers and for a selected few, they do issue two credit cards on exception, provided they’re eligible for such higher line of credit. Usually getting two credit cards is easy if you’re a High Net Worth Individual due to which they can provide you a high credit limit so that you can split across two cards.

Getting 4 Credit Cards from HDFC Bank

Getting 4 Credit Cards from HDFC Bank

Getting approved for 2 HDFC bank credit Cards:

It becomes impossible for many when they have credit limit like 1 Lakh and wants to hold two cards, as most premium credit cards with HDFC has 2L or more limit and there is no point in holding two beginner level cards.

So Having 5 Lakh or more limit on a single card increases your chances of holding multiple credit cards from HDFC, usually limited to maximum of 2 cards per person. Getting such higher limits takes time, you can learn more ways to increase your credit card limit here.

Trick to get 4 Credit Cards from HDFC Bank:

Well, that was a tough challenge just for getting approved for 2 cards right? So how are we gonna get 4 Credit cards? and is it really possible? Well, i got 2 answers for this.

Yes – You can. No – You can’t.

  • To be more clear, Yes, you can have four credit cards theoretically as per CIBIL records.
  • But, No, you can’t have 4 different HFC cards in reality.

You should be wondering where does CIBIL get into picture here. Well, i recently wrote about the Insights into HDFC Insta Jumbo Loan wherein Jumbo Loan (a credit card loan) is treated as a separate credit card (see image below) as per CIBIL records for reporting your credit usage behavior.

HDFC Insta Jumbo Loan reported as Credit Card on CIBIL

HDFC Insta Jumbo Loan reported as Credit Card on CIBIL – Current Balance is nothing but EMI amount.

Now, if you have 2 HDFC credit cards and if you apply for a Jumbo Loan on each, technically, it will show as 4 HDFC Bank credit cards on your Cibil report – 2 actual cards & 2 Jumbo Loans. So this is how you can have 4 credit cards from HDFC without actually holding them 🙂

Tip: Insta Jumbo loans if paid on-time improves your CIBIL score as its reported without any hard inquiry on your CIBIL account.

Enjoyed the article? Feel free to share your thoughts in comments below.

Author: Siddharth

I'm a Credit Card freak minting reward points and cashback for years. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

13 thoughts on “How to Get 4 Credit Cards from HDFC Bank

  1. pankaj

    taking a insta jumbo loan will reduce your cibil score because for cibil score it is not good to get too many unsecured loan after taking a jumbo loan cibil will see you as a credit hungry and reduce your score around 30 to 40 points for proof check your cibil score before getting jumbo loan and then after three month you wiil see the picture

    1. Siddharth Post author

      Jumbo loan is reported without a hard inquiry, so it wont drown the score at all. This is more like a secured credit card reporting.
      As long as you’re using the credit well, you can even have 10 credit cards and have score above 800.

  2. Srinivas


    I generally like your posts and i consider you are contributing to the financial wisdom of several of us.
    However, Frankly this article lowers your standards buddy!. This article was written for the sake of it. Sorry, does not make sense or adds any value to any one.
    I will continue to look forward more meaningful ones from you.


    1. Siddharth Post author

      Thanks for the feedback.
      I do understand. Its partly for fun, but with meaningful information about multiple cards & Jumbo loan is being reported to CIBIL.

      That being said, no worries, I’ll reduce such articles 🙂

      1. Anil

        Siddarth, any review on bankbazaar or paisabazaar websites offering goodies on credit card application & approval?

        1. Siddharth Post author

          Any offer should be good as its over and above the Welcome bonus on CC.

  3. ANOOP E S


    I’m a HDFC credit card customer since 2011. Initially I was issued A platinum plus card in that year which got upgraded step by step and I’m using Regalia for last two years. The credit limit also improved step by step from 1.20 lakhs to 6 lakhs over the last 5 years.

    I’m really fascinated by the priority pass programme. But I find it really tough to limit my lounge visits to 12 in a year. I’m not sure if I can get upgraded to Infinia in near future. But in the meantime how can I get one more credit card like Diners Club variant.

    It will be great if you can guide

    Anoop E S

  4. Souvik majumder

    Hi team I am souvik .i am facing a problem last 18 month . When I was working company provides me credit card. I shopping 2200.00 but after a lose my job and now when I call to cc it will increase 5500.00 something and I request them for late fees discount but they are not listening my word .now it will around 12000.00 how to I shorten , full and final this one please help me .minimum how much I will pay for that. Thanks.

  5. Arth

    Hi Sid
    I have Hdfc CC with good limit from more than 3 years no orther relationship with HDFC, how to get second CC from HDFC ?
    They are providing Insta loan, any way for Jumbo loan ?

    1. Siddharth Post author

      That depends on your Limit. You’re less likely to get the second card as you don’t have any relationship value with HDFC, though, if the limit is high, it will help.

  6. Varun

    Hi Sid ,
    I have regalia first from last six months this is my first credit card with Hdfc bank and my limit is 1,70,000 and I am a government employee and my annual income is Rs 10,00000 can I also apply for a diners card . Will I get the approval. And I do have SBI credit card and Citibank credit card too .
    Also have insta loan offer of Rs 1,00,000 on Hdfc regalia first .
    Will I get approval for diners card . Please let me know .

    1. Siddharth Post author

      Diners Premium you may get, but Black is tough with this limit.


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