HDFC Bank’s Covid-19 Special Offer: 2X Credit Limit Enhancement

By | September 27, 2020
HDFC Auto Credit Limit Enhancement

As soon as lockdown got lifted we started getting good set of offers from multiple credit card issuers and I was looking for something good from HDFC but there were nothing special, except the latest SmartBuy Extra Saving Days Sale that’s running for 3 days. 

That said they infact silently sent a grand offer to many cardmembers during this pandemic and that’s what this article is all about: Credit Limit Enhancement (LE). Here are all the details about the same.

2X Credit Limit Enhancement Offer

While few banks are reducing the credit limit of select cardholders during covid-19 pandemic, here’s HDFC that came up with a grand credit limit enhancement offer by doubling the limit for many cardholders during June 2020

From my known set of friends and family, I see more than 90% of them got 2X limit and some got 20% to 30% enhancement too.

Interestingly though, my card neither got 2X nor other limit enhancement offer. Part of the reason is that I got LE within 6 months when this offer was rolled out. Anyway I’m not complaining as the limit is already at a very good level.

Why Credit Limit matters? 

Credit limit is an important aspect of a credit card product. It helps you do high spends, get high value loan on credit card and more. 

But when it comes to HDFC Credit Cards it’s much more than that. 

As HDFC has a habit of upgrading cards based on the credit limit, when you get a credit limit enhancement, you also stand a chance to upgrade to the next level card that’s more rewarding. 

For ex, if you had 2.5L limit on regalia and if you’ve got 100% limit enhancement, you can upgrade your card (relatively easy) to HDFC diners black which comes with wonderful rewards. 

Final Thoughts

It’s very interesting to see HDFC being so generous in the limit enhancement, that too during Covid-19 while even premium issuers like American Express have put a hold on limit enhancement, even now. 

It’s definitely a MASTER SROKE by HDFC, the #1 credit card issuer in the country, a risky move at this time but it seems they are likely to get more revenue than loss by doing so, as anyway they have enough data to back up this decision.

So if you haven’t been notified about this limit enhancement offer, do check out your netbanking to see if you’re eligible for the same.

Login to NetBanking > Cards > Request > Limit Enhancement

I still see many getting ~20% LE sorts even now but appears that 2X is likely gone.

Did you receive a limit enhancement offer on HDFC Credit Cards and if so how much % was that? Feel free to share your thoughts in the comments below. 

75 thoughts on “HDFC Bank’s Covid-19 Special Offer: 2X Credit Limit Enhancement

  1. Rajesh

    Hi Sidd,
    Thanks for this wonderful update. Did not receive any msg from HDFC but when checked net banking there was a offer on limit enhancement. Enhanced the limit by 88%. Thanks for your excellent articles and timely updates.
    Regards
    Rajesh

    Reply
  2. Nihar

    No luck with LE on HDFC DCB but on my ICICI Sapphiro there was a handsome 66.67 % increase in Credit limit this month. Need to bump up DCB limit for Infinia request , still hopeful.

    Reply
      1. Nihar

        Yup Auto generated , though I can’t recall the last time I spend through I bank card. Also LE was a buttery smoothly experience through imobile app .

        Reply
      2. Kumar

        My icici card limit increased to 2.65 lakh from 55k…… Its 6x i am surprised to see it

        Reply
    1. Hari

      I too got LE on both ICICI sapphiro & Amazon Pay credit cards by more than 300%. But, nothing on HDFC

      Reply
    2. Rohit

      @Nihar
      How do we check LE for ICICI credit card. I am using LTF rubyx card. Is there any way it would be upgraded to LTF Sapphiro card ? I have privilege banking relationship with ICICI bank.

      Reply
    3. Xander

      Hey,
      What exactly is the process for LE with ICICI? Couldn’t find any option in the iMobile app.

      Reply
      1. Krishna Chandran

        Even I was searching to enhance my limit. I think they roll out automatically to the specified set of customers. I got the limit enhancer message to almost 2X my previous limit from ICICI.

        Reply
      2. Rajesh Ravikanti

        Siddharth, I didn’t get any increase in credit limit on my HDFC infinia but got an increase in ICICI card credit limit from 8.45L to 17.5L. That is more than 100% in percentage terms and also a handsome increase in absolute terms

        Reply
  3. Prashant

    I have been waiting desperately for the limit enhancement. I check it first of every month but no limit enhancement for me.

    Thanks for sharing this article. Great as always.

    Reply
  4. Vineet

    In my 3 year association with hdfc bank, from regalia first to DCB, I have never had a single offer for LE. I have regularly checked the limit enhancement tab but it has never been there. Even after getting the Preferred account opened with HDFC nothing of the sort has ever come up. Sometimes it feels as if the bank has forgotten me

    Reply
  5. Haris

    It may be off topic , but I received 600% limit enhancement on ICICI Amazon Pay credit card through the mobile app

    Reply
    1. Akash

      I got 120% increase for my Amazon pay card. Pretty happy as mine already had a good credit limit!

      Reply
    2. Shubham Pratap Singh

      How old is your card and what was your spending pattern? Like 40% in a billing cycle.

      How did you apply for limit enhancement?

      It’s been 1 year for me. Have never received any le offer from icici!

      Reply
  6. Piyush Ujawane

    I too got my credit card limit 2x.HDFC is certainly making their cardholder happy during lockdown.

    Reply
  7. Sudheep

    How long will it take for the first LE? Received my diners black with its base limit 7 months ago . have spent 8L+ already.

    payments made well before time.

    no joy yet.. eagerly waiting for LE as my target is Infinia.

    Reply
  8. The Outrigger

    Got bumped from 10L to 12.5L. Also, see an invitation to imperia program. Currently on preferred membership. Is it worth opting in. Not sure about the details.

    Reply
  9. Shreyas

    They say LE by 20% on DCB but was rejected last time.
    Got a SMS saying – Unable to enhance credit limit further as it is at sanctioned limit.
    Such a bad thing.
    Had already spent over 15lacs on DCB this year and still no upgrade to Infinia

    Reply
  10. MSJ

    Lucky to get a 2x increase in limit to 8.5l 3 weeks back. And finally an upgrade from Regali to infinia the day before.
    I really thought it would be tough.
    Now i have been reading that HDFC is pushing out DCBs and Infinias.
    I am lucky to get the top card, but now i wonder that i may be part of the problem causing the devaluations.
    Anyone know what HDFC might be planning?

    Reply
  11. Abhishek Roy

    I too had received a limit enhancement sometime back at around July. It waa roughly around 25%.

    Reply
  12. Ashutosh Gupta

    I have got 30% limit enhancement on DCB. Around what amount of credit limit will help me to apply for Infinia?

    Reply
  13. Anuj Kaushal

    I never got any limit enhancement offer in axis bank. I am using axis bank credit card since 1 year but no luck for me. Is there anyone who can share his experience with axis bank limit enhancement.

    Reply
  14. Sumit Sharma

    I also received 20% enhancement. However, i was looking for card upgrade as i am currently holding Money Back credit card with a limit of 3.4 Lakh and it is least rewarding card of HDFC Bank in terms of cashback and offers but no luck on that front.

    Reply
  15. Lalit

    I got 240% increase in 2 installment within 1 month in Amazon ICICI Card.

    Also got 30% increase in HDFC Card.

    Reply
  16. Pranab

    No luck for me. My last LE on Infinia was on 1st Jan’20. Since 15-Jul-19 to 01-Jan-20, I got a cumulative 250% LE (a surprising 4 times in less than 6 months).
    13 months back, got a 400%+ LE on ICICI.
    For SBI & ICICI APay, it’s more than 2 years since last LE.
    For Citi, it’s also more than 2 years since card issuance, still with the same limit.
    For Axis, it’s 1 year.

    Reply
  17. Varun

    No limit increase message for me. I already got 15 lacs on my Infinia and 8 lacs on my Diners black. This is enough for me at this moment.

    Reply
    1. Rajesh Ravikanti

      Hi Varun,
      I have infinia card. I want to have a DCB as well. What is the process to get one? I heard that HDFC gives only one card generally. Customer care is also not very helpful in this regard.

      Reply
  18. Sunil Bhanushali

    Hello Sid,
    Nice Update. I got Limit Enhancement on my HDFC Regalia CC from INR 7.60 Lacs to INR 9.10 Lacs during June.

    Reply
  19. Ravi

    HDFC has been notifying me of 2X credit enhancement since a month and did it this week. I have been using Regalia card since 2015

    Reply
  20. Prashant Patel

    I got 20% increase in limit, n insta jumbo offer but very high intrest in past i got 11.5 to 14 %so 21%really high.. Some got double limit who don’t get double limit mostly they got 20% n jumbo or 10 second loan

    Reply
  21. SAMEER

    Surprisingly I got automatic 3x LE on my MMT ICICI Card and ICICI HPCL CORAL AMEX credit card . Apart from that same happened 2x LE on my HDFC credit card including card Upgrade from HDFC Money Back to INDIGO 6E XL REWARDS card. Both LE without any requests.

    Reply
  22. Harman

    If anyone has experience, can you please explain how to trigger a limit increase on HDFC Cards? I use my card well (mainly online), but haven’t got LE since 1 year.
    If anyone could help.

    Reply
  23. Arvin

    I got the message of increased limit on June 23rd. It got increased about 25% for me.

    Reply
  24. Tejas

    I didn’t get any offer mail but when I checked netbanking. I could increase by 50%.
    Thanks for the update.

    Reply
  25. Rakesh

    Hey Sid, love the info you provide.

    I Got a LE of 30% on my regalia first LTF. Current limit 6.24L What are the chances of getting a card upgrade offer other than regalia in next 6 months, as the current card expires in January.

    Reply
  26. Abhisek Parija

    No luck with HDFC, but did see a 3x limit inc offer in ICICI.

    My ICICI Amazon Pay CC now sits at a limit of Rs.10.50 L, up from 3.0 L 😀

    Reply
  27. ab

    Hi sid,
    My credit limit is 15L from past 6 month. i owned clubmiles . how to proceed to diner black. i also talked to my RM but he says upgradation will come automatically.

    anyone please give your experinced view.

    Reply
    1. Santosh Kumar

      Drop an upgrade form at your nearest HDFC Bank ATM or post it to Chennai office. With the level of limit you have, there is more than 90% chances to get upgrade.

      Reply
  28. Suman Basu

    I have got HDFC Regalia with 15 Lacs limit already so may be due to this I have not received any such LE offer. Just out of curiosity I want to know that do banks increase limit more than 15 Lacs ? I know higher range of Amex cards have very high limit but what about other banks ?

    Reply
    1. M Patel

      I have a friend with 18lk limit on his HDFC Infinia credit card.

      Reply
    2. Shivi

      My Infinia limit was raised recently under double CL limit offer. It is now north of 25L.

      Carbon (ICICI) had starting limit of 25L to begin with.

      Reply
  29. Sukant

    I got 300% for ICICI Amazon pay card and 40% for Coral card. Last year I had received around 10 times LE on Coral card

    Reply
  30. Akash

    I think more than anything else, a higher credit limit helps one keep percentage utilization of credit limit at a low figure. This greatly helps in having a good CIBIL score.

    Reply
    1. Shivi

      Not quite, Akash. Neither my hdfc card nor my icici limit is reported to any of the bureaus. My cibil n experian scores are more or less stagnant for the past 1.5 years

      Reply
  31. Joy Bhattacharya

    Does HDFC stop limit increase offers after limit reaches 15L? Havent been getting any LE offers after reaching 15L. Reached 15L around 6 months ago. Every time my limit used to be random numbers n multiples of hundreds or thousands. But this time was a clean round figure of 15L. Is this the max limit? or how to increase from here.

    Reply
    1. Kiran

      I have read few people here who had posted they had limit upscale of around 23 lac on their Infina.

      May be they have high value relationship with bank.

      Cheers,
      Kiran

      Reply
    2. Shivi

      They increase limit mainly if they feel you need it so try spending close to 15L per month for a quarter or 6 months and they will increase the linit

      Reply
  32. RB

    I recently got a msg from ICICI regarding my Sapphiro card, and couldn’t believe that they increased the LE by more than 10X.
    I don’t know if it was some glitch in the system or something else at play, but changing LE from mid 6-digit to 7 digit was kind of scary!
    And the most weird part is I barely use this card. Many times 0 spends in a month.

    God knows how their algos for these things work.

    Reply
    1. Ms

      Same here. After 10 years of holding this ICICI card, suddenly got an le offer which I misread to be a 25k increase. Turns out it was a 10x increase. Now I have a scary limit of 27.4 lakhs. Insane.

      Reply
  33. Utkarsh Agarwal

    Does people who got limit enhancement or jumbo loan offers maintain account with HDFC Bank or just a credit card relationship as I don’t have A/c with them and never received LE offer for my Diners card?

    Reply
    1. addy

      I get all offer and only maintaining credit card account with them.

      Reply
  34. Krishna Chandran

    Can anybody let me know if Stan Chart or Axis offers limit enhancement programs? I’ve seen these coming only from HDFC and ICICI. I’ve been stuck with the same limit on Stan Chart for the last 6 years, and every time I call up customer care to ask for LE, they tell that that option is not there currently. Any thoughts?

    Reply
  35. Akash

    Hi Guys,
    I’m planning to set a sub/net limit on my HDFC Infinia. Wanted to check if setting these limits in credit cards hamper limit enhancement offers?

    Reply
    1. Shivi

      No, they don’t @Akash. It happens only in case of SBI or ICICI but not in case of HDFC.

      Reply
  36. Amit Dhatrak

    Hello,
    I have a life time free Regalia card with 5L limit, I want it to increase limit and upgrade this card but My spends are hardly anything monthly. Is there any way or trick to increase my spends?
    I read somewhere that I can pay my MF SIP through credit card or any other ways that you know of?
    Thanks in advance

    Reply
    1. Rohit

      @Amit Dhatrak
      Is HDFC bank still giving LTF regalia cards ? What is the criteria for LTF cards.

      Reply
  37. Jabin Issac I

    Well I’m using HDFC Credit card for almost 9 months still my credit card limit Rs 25000 even thou my monthly spending is more than 16000 still I didn’t get credit limit Increase got any Idea ???

    Reply
  38. Suresh

    Icici increased my limit to around 45 lakhs from 7 lakhs. Hdfc infinia contacted me for increase of 2 lakhs from 13 lakhs limit.

    Reply
    1. Rohit

      How to check limit enhancement for ICICI credit card. I was issue LTF rubyx with limit of 1.75 lakhs and its been more than 1 year i guess and also have amazon pay card. Do we have to keep using the card. My usage is very less say 1k per month.

      Reply
  39. Mahesh S. Panicker

    Right after the lockdown ended, I got a 40 percent increase from HDFC. I am using HDFC Millennia, and was into just 6 months of using the card.
    HDFC did pretty nice there. But as I reported in an earlier comment on a different post, HDFC is acting strange as far as Millennia reward points are concerned. There are notifications all over internet from Nobroker and Payzapp and many other sources, about 10 percent benefits on rent pay through Millennia, up to 500 cashback on Payzapp, and card rewards up to 750. But I never got the card rewards on the Nobroker Rentpaiment through Payzapp, not a single point, though Payzapp has always credited the promised cashback. And on talking to some other friends who have the card, realized I am not the only one.

    Reply
    1. Siddharth Post author

      Except nobroker issue, are you getting points otherwise on Millennia?

      Reply
      1. Manish Fageria

        Hi Sid,
        I am getting points on my Millennia (Diners Club variant) but it’s not like the bank has promised.
        Points are crediting on 2nd or 3rd day of start of every month but it’s not like as hdfc promised.
        Very disappointing by hdfc. I called many time to hdfc customer care but no solution provided.

        On nobroker their is zero cash back as on their website shows extra cash back upto Rs 750.

        Reply
    2. FrequentFlyer15

      Nobroker tried that trick with me in my 3rd month of paying. I immediately sent an email to HDFC customer service and the nodal officer and mentioned words like fraud and cheating. HDFC blocked payment to No broker and sent them a notice. I sent an email to Nobroker with a copy of the email and they processed the transaction. I had been paying for 2 months with no issues and suddenly they say its suspicious? Same amount, same time of the month, same account. Seems more like a legal scam.

      Reply
  40. ABHISHEK

    I didn’t get anything on LE on my DCB, stagnant at 8.5 l. Wondering why

    Reply
    1. rohit

      When did you get last enhancement. For me when for everyone bank was reducing limits and canceling cards in the month of march, I got limit enhancement for 2.5L in the month of march. I will only get next enhancement in 2021 (generally yearly once I get)

      Reply

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