Free CIBIL Score & Report from HDFC Bank is back

By | September 21, 2022
Free CIBIL Report from HDFC

Update: This service has been discontinued at the moment.

HDFC came up with this free CIBIL score & report feature back in Aug 2019 and lot of us made use of it. But after sometime they stopped taking new accounts, yet old logins were still active and can be refreshed.

This got re-enabled few days back as reported by Vish and now HDFC Bank sent the promo mail as well. What caught my attention was the content of the email. Look at it if you haven’t already.

Benefits of Good CIBIL Score

In short, you “may” get a better limit or an upgraded card if you have a high score, among other benefits.

Final Thoughts

While I don’t use this benefit for my a/c as I anyway have the annual membership plan with CIBIL, its definitely useful to check reports & scores of family members.

With this free a/c you can also refresh the report every 3 months, which is more than enough for most of the regular cardholders.

And if you have ICICI Wealth ac, you can get Free CIBIL score there as well twice (once via app, then via net-banking) and so you no longer need CIBIL’s paid plan.

Are you availing these Free CIBIL reports from various banks? Feel free to share your experiences in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

39 thoughts on “Free CIBIL Score & Report from HDFC Bank is back

  1. Mayank

    Hi, One query. In my CIBIL report it is written that I am Self Employed. However, I am not. I work for a company so I am a salaried person. How to correct the same in CIBIL or I can leave it as it is?

  2. Rishabh Mangal

    It seems refresh report duration is 1month now.
    I can see next refresh date of June

    1. Satish Patil

      For me it showed the score as on March. Next refresh is in Jun.
      I think it is for 3 months (Mar-Jun)

      1. Siddharth Post author

        You’re not registered for this via HDFC before?
        If so HDFC might have tweaked the refresh time to 1 month for new accounts.

  3. Raju

    I got same mail. It’s showing as Free Cibil Score with Simulator. Is anybody got free simulator also?

    I have existing CIBIL account and logged in with same credentials through HDFC page and not able to see simulator option. Is anybody got the same?

    1. Santosh Kumar

      Create a new login, the same email id will work

      1. Raju

        I have tried that but getting error as “Username not available”

        Are we getting simulator through HDFC link?

  4. Gopal Krishnan

    How is this free CIBIL score different from the one that websites like Policy bazaar offer for free? Please answer.

    1. Siddharth Post author

      CIBIL Score from Bank’s = Free
      CIBIL Score from any “Bazaar”s = Free + lot of spam calls 😀

      1. Murali

        I see big difference in CIBIL Score when I checked using HDFC and Paisa Bazaar. How to fix ?
        CIBIL Through HDFC: 798 (I have complete credit history & all closed & active cards listed)
        CIBIL Through PaisaBazaar : 780 (it is only last few years history & limited credit cards & incomplete information ) . Paisabazaar provides Experian & CRIF Credit scores as well & I donot have any issue right now with Experian and CRIF reports.

  5. Hitesh

    I Never understand how this works.
    I have never had a single late payment in 12 years. No issue what so ever. But my CIBIL score dropped around 30 points from 830 to 805.
    And there is no one to go to ask the reason for the same.

    1. KapsConnect

      It is due to their recent method of calculating through algo. Most of us have seen the dip. You can check the post here too regarding the same.

  6. Rohit

    I have never checked CIBIL score in my life and HDFC RM few months back told me that score would reduce if we keep checking our score. Is that true. I never got mail from HDFC regardng free CIBIL check. How can I check or login for free report

    1. FrequentFlyer15

      There are 2 types of inquiries for CIBIL, hard and soft. Applying for credit cards or loans needs a hard inquiry while for knowing the score, its a soft inquiry. Hard inquiries hit your score while soft doesn’t.

    2. Sanchit

      No score never impacted by checking your cibil score

    3. KapsConnect

      Checking the score doesn’t affects it. Go through the link for Hdfc accounts, just create account for free and check

  7. Shivi

    With the moratorium on loans in effect, CIBIL data won’t be updated till June 30. Effectively means data update may not take place on its own till August.

  8. Balpreet Singh

    I had the link from earlier and used it to refresh the score in March first week and it has 3 month wait time. now I can refresh it in june. Waiting for that.

  9. Anindya

    I have a free account with CIBIL. Then I used the above given link to get the report through HDFC. The first time I could see the report after giving the details and OTP verification. But I am getting “System Error” page at fresh login attempts.
    Can anyone please help?
    Thank you.

  10. Dr.Anurag

    I came to know through this link that 2 credit enquiries has been generated by HDFC and ICICI for issuing Credit card even though both cards have been provided against two separate fixed deposits. That has hampered my credit score quite a bit.
    Can anyone confirm that is it legit, because AFAIK banks do not generate hard enquiry for credit card issued against FdS??
    If not how can I get those enquires removed from CIBIL?

  11. Sandeep Kumar

    @Anurag, Its legit as you already must have agreed on this while signing the form. Almost all the banks check credit score even if you take card against FD or its card to card. Those inquiries cannot be removed now.

  12. Chirag Sanghavi

    Does having multiple credit card impact CIBIL Score

    1. Nikhil

      It has positive impact if you don’t default. I have 14 credit cards & my score is in top 1%

    2. Rohit

      I have noticed that my cibil score range reduced less than 800 when i got two icici cards even though i have never did delayed payment in my entire life. the cibil range score is something which shows when i login into icici netbanking. I have never checked my cibil score by paying.


    One additional query : I have Cred App. It shows a Higher Score (CRIF).
    The HDFC Link shows a Different Score (albeit lower than CRIF ).
    Which one to beleieve

    1. Shivi

      Neither. Use that report to see if you have any error/omission. Other than that, it’s the banks’ own report that matters while taking loan

  14. Ashish Nikhare

    A new update in 26AS form effective from 1 June 2020.
    If, total annual Credit Card bill payment (done by any mode other than cash eg. netbanking, upi etc.) exceeds 10 Lakhs rupees, it will be displayed in the Credit Card section of 26AS form.
    Similarly, if Credit card bills are paid in cash & if annual bill payments in cash exceeds 1 Lakh rupees, it will be displayed in the Credit card section of the 26AS form.
    So, beware ! especially those revolving credit among Prepaid wallets, NPS tier 2, Merchant POS like Mobikwik etc. etc. Keep a check on total annual credit card bills !

    1. MT

      SFT came into effect long time ago , but banks used to refrain from reporting, now Govt has cracked the whip , so they have reported of past 3 years … its just information being sent to IT department, then an algo will be configured to compare with your declared income , if there is a possible mismatch , scrutiny will start

  15. PRANAY

    Hi bro, my question is that how can i get a unsecured credit card without income proof just based on credit score i have a good credit score, but i’m a student so it is obvious i dont have a income proof, so which credit cards are easier to get for me?

  16. Aakash COIMBATORE

    What is the minimum CIBIL SCORE needed for AMEX PLAT CHARGE CARD?

    1. Siddharth Post author

      Usual ~750, no higher requirement of CIBIL score for Plat charge.

  17. Vaibhav

    Has anyone checked this lately as i am not able to check for the past 2 months


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