HDFC Credit Card Limit Enhancement Offers in 2022

By | January 8, 2022
HDFC Credit Card Limit Enhancement offer

We’ve seen multiple credit limit enhancement offers on HDFC Bank credit cards during 2020 & 2021 as seen here and it looks like the bank has decided to continue to same for 2022 as well.

If you’re new to HDFC limit enhancement system, do check out below link (during day time) to check if you’re eligible for the offer.

Login to NetBanking > Cards > Request > Limit Enhancement

This article will reflect all the Auto LE offers rolled out on HDFC Credit cards in 2022.

January 2022

Major Auto Credit Limit Enhancement offer has been rolled out during 1st week of Jan 2022.

  • The % of LE is different for different people. Most have got about 30-50% lift in the limit.

However, neither I nor most others I know have received the LE offer this time, probably because the limit is already high and also because it was recently revised, some 6 months or so back.

Ideally, those who didn’t receive the LE in 2021 or those who got it during early 2021 would have received the offer now.

Bottomline

It’s indeed interesting to see HDFC being so generous with the credit limit enhancement for 3rd year in the row. As a result of which, almost everyone I know is now holding HDFC credit cards with credit limit >5 Lakhs.

Did you receive a limit enhancement offer on HDFC Credit Cards in 2022 and if so how much % was that? Feel free to share your thoughts 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.

66 thoughts on “HDFC Credit Card Limit Enhancement Offers in 2022

  1. Pranab

    My Infinia limit is standstill for the last 20-22 months.
    Nothing this time again for me as well to my newly on-board family members having paltry limits of 75K & 100K.
    One off-topic question: Is there any RP redemption to Amazon pay egv charges for mid or low segment cards?

    Reply
  2. Prasanth

    Stucked with 14l since two years not getting any offers to increase card limit

    Reply
  3. Siddsa

    I received LE but by paltry 20% for my DCB to take it to 6 lakhs. Strange algorithm of HDFC they increased my LE to 5 Lakh and a LTF DCB when I used to spend around 50-60k annually on Regalia. After one year of DCB I spent around 5 lakh annually (max being 20% of limit in month) still got paltry 20% LE.

    Reply
    1. ka

      Wow. Good for you. I spend over 12L on my regalia annually but I didn’t get LTf either for dcp or dcb.

      Reply
  4. Santosh

    Hi Siddharth,

    I received the credit limit enhancement offer on my infinia card and I took it :).
    It was 19.5%, the limit was enhanced from 1022K to 1222K.

    Thanks,
    Santosh!

    Reply
  5. Nikunj Palaniya

    I received 15% limit increase in Dec -2020. Currently it isn’t showing any offer.

    Reply
  6. RajBan

    I did not receive the offer in 2021 or now in 2022. I was hoping to get it this time but looks like I am in bank’s bad book inspite of having a 800+ credit score and an Imperia account holder. LOL !!!

    Reply
  7. ARR

    Hi Sid,
    My limit has been enhanced from 9,70,000/- to 11,20,000/-. My spends are meagre.

    Reply
  8. Rakesh

    I too did not get any limit enhancement offer. I was offered limit enhancement offer in June,2021.

    Reply
  9. Sameer

    Curious how high does HDFC go with credit limits. Would anyone know?

    Reply
    1. Shivi

      Few here had 25-30 Lakhs. That was a few years ago. Would have increased now.

      Reply
  10. Vishal Sharma

    Hi, I’m using HDFC credit card since Aug 2018 & my limit is enhanced only once from 1.16 to 1.86 in 2019 & after that I didn’t received any offer.. Hope to get it soon

    Reply
  11. Aditya T

    While its nice it’s also frustrating that they don’t report credit limits to the Credit Report Bureaus.

    Reply
    1. Patty

      Yes, that is the major negative point with Hdfc Credit Cards… What is the use of having even a 1 Crore Credit Limit if it does not show up on the total credit available mapped to a particular pan/aadhar?

      Reply
    2. Shivi

      They report your highest used credit to the bureaus and your subsequent usage would be marked against that.

      Reply
  12. Saadat

    I have a limit of 3L for more than a year. Hold an LTF DCB. I have requested for enhancement before which was denied on the basis on income requirements. This time also, there is not limit enhancement offer for me.

    Reply
  13. V T

    In Jan 2020 & Jan 2021 I got two credit card upgrade from HDFC. I was expecting same this year. But looks like it will not happen this year. 3-4 months back they increased my limit. So I believe that’s why I did not get LE.

    Reply
  14. Suraj

    As you said, I did not received LE in 2021 but now got 100% increase.

    Reply
  15. Gagan

    Thanks Siddharth

    I checked for potential credit limit offer across 5 cards – Was hopeful for getting atleast a good credit limit jump but alas none have any offer 🙁

    Last year around same time, was able to upgrade one Regalia to Infinia and that too LTF!

    Reply
  16. RKS

    Got an LE offer of 2L on 1st Jan for ‘outstanding credit history’. Bringing my CL to 10.11L on regalia. Got LTF regalia upgrade in Sep 2021.

    Reply
  17. Lokesh

    I just have the corporate card from hdfc, which is not getting limit increase ever since I got it 3 years back.

    Does anyone know how can I get limit enhancement on HDFC corporate card?

    Reply
  18. Sooraj Harindran

    I had 421000 limit. I was offered new limit of 715000 on my freedom card

    Reply
  19. Karthi

    LE received by 20%. My already existing limit was well above 10L.

    Reply
  20. Ramesh M

    Yes, I too received the enhancement offer of 25% on my Infinia. What do you mean by LE offer ? Is that LTF ?

    Reply
  21. Siddhartha

    I did do receive the limit enhancement offer this time as well. However, it is ~10%.

    Reply
  22. Dinoop

    I was having a credit limit of 6.21L for along time and I had requested for a LE last Nov through post. They just increased it to 6.61 (just 40K+) and that’s it.

    Reply
  23. Taj

    I got LE of about 30% for my diners black on 30/12/21. It is after the one year of my upgrade to diners black. Normally i got LE after 5-6 months but this time after 14 months.

    Reply
  24. ka

    I have received 30% LE on nye and also a pre-approved dcp. Although I didn’t recieve any LE between June 2020 and September 2021.

    Reply
    1. CHIRAG SANGHAVI

      Does large credit limits (not utilization) of 10 plus cards impact Credit Score.

      Reply
    2. Balpreet Singh

      This is a big jump at such high levels.
      What is your yearly spend Ricky

      Reply
    3. The Global Investor

      Do you really need 25L on your credit card? Do you worry about risks with loss of card, etc. I’m sure you could chargeback and get the money back but mentally it would be extra stressful.

      Reply
      1. Siddharth Post author

        For peace of mind we always have options to restrict the limit, based on spend type.

        Reply
  25. HM

    What’s benefit to us consumers of getting Credit limit increased beyond a certain decent value (like Rs.6-8 lakhs) ?

    Reply
  26. Yaswanth

    Haven’t received LE, few of my friends received card upgrades today.

    Reply
  27. Vikash Singh

    I just received the Upgrade offer from Millennia to Diners Black card. So it’s look like they rolled out Limit Enhancement as well as Card Upgrade too. So check yours now guys.

    Reply
  28. Sai Raghavendran

    They increased my DCB limit from 7.09 to 7.13. They seem hell bent on not giving me infinia.

    Reply
  29. Subrata

    They are giving card upgrades as well. For card upgrades, we do get MasterCard variant if the older card was too although the ban is not completely lifted.

    Reply
  30. Madhav Boddapu

    Sid,
    Can you please write an article on how to utilize annual membership benefits offers by DCB cards?

    Reply
  31. Diablo

    Got 300% LE on my Regalia.
    From 242k to 10L!
    Sid, how long till i get invited to Infinia?

    Reply
    1. Siddharth Post author

      Just ask and you shall be invited.

      Btw, thanks for reminding me about Diablo, my 15 yr old memories playing that game. 🙂

      Reply
  32. Mayur Patil

    I have dcb since five years, but don’t have a bank account with hdfc. Just got an email stating that convert my dcb to life time free by opening back account and also get reward points worth 5000. Have replied them positively but no reply from their side further. How to proceed? Will this offer be considered if i directly go to bank and open an account?

    Reply
  33. Mayank

    I did not receive any LE offer on my card since last two years. Can anyone tell me probable reason. I have never defaulted in payment of credit card dues and my credit score is also good.

    Reply
    1. Pranab

      I’m on the same boat! Last LE on my Infinia was 2+ years ago (2nd Jan’20).

      Reply
  34. Ashish

    Bit off topic query. I booked an Indigo flight via smartbuy (cleartrip). They charged about 3700 + convenience fee. The invoice given by smartybuy/cleartrip mentions the same value. However, the invoice sent by Indigo was for about 3200 only. Even the base fare is different in the 2 invoices. Now because, of this, when doing a reschedule at Indigo website, i am being asked to pay fare difference of 700 for a later flight, which ideally shouldn’t have happened. Anyone got any clue what’s happening here. For my earlier bookings, whenever i bothered to check the airline invoice, it was always the same amount (barring convenience fee) as the one shared by smartbuy.

    Reply
    1. Pranab

      That happens due to ‘Dyanamic Price’ (I think).
      During Travel sale in Nov, when I booked first ticket (Indigo), it costed me 7694 (after 500 discount).
      Immediately when I booked second ticket, it costed 8115 (after 500 discount).
      In Indigo site, it was showing 8615 for both the bookings (higher value in my case).

      Reply
      1. Ashish

        I understand dynamic pricing. In my case, there is difference in values for the invoices generated for the same booking by indigo and cleartrip, which seems wrong to me.

        Reply
        1. Pranab

          That happened to me as well.
          Cleartrip/SB Invoice: 7694 (8194, if 500 discount is considered).
          Indigo Invoice: 8615

          Reply
  35. Ramesh

    Have anyone received credit limit enhancement when the international transactions disabled on their cards? I heard from bank employee that credit LE will not be available if international transactions is disabled.

    Reply
    1. Shail

      False. Have disabled the international transactions on my card and still received LE enhancement offer. Infact it’s a good practice to disable the card for international use when that’s not required to avoid any fradulant transactions which don’t require OTP authorisation.

      Reply
  36. SHIV Duggal

    I have not seen any limit enhancement since last more than 1 year….may be because it is already 15 lakh…..what is the highest limit we can see?

    Reply

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