Want a higher credit limit on your HDFC credit card? A higher limit means better purchasing power, improved credit score, and more financial flexibility. Here’s how you can increase it!
What Determines Your HDFC Credit Limit?
Banks decide your credit limit based on several factors:
- Monthly Income – Higher income = higher limit.
- Credit Score & Payment History – Good repayment track record = better chances.
- Employment Stability – A stable job & steady income help banks trust your financial capacity.
When Does HDFC Bank Increase Your Credit Limit?
- HDFC reviews your credit limit periodically based on your credit usage & repayment history.
- You can request a credit limit increase by providing updated financial details.
How to Request a Credit Limit Increase?
1. Via HDFC Net Banking
- Log in to HDFC Net Banking
- Go to the ‘Cards’ section & select ‘Credit Card’
- Click on ‘Request’ > ‘Credit Limit Enhancement’
- Enter your credit card details & submit the form.
- Bank may contact you for verification.
2. Via HDFC Credit Limit Enhancement Page
- Visit the official HDFC Credit Limit Enhancement Page
- Enter your registered mobile number & credit card number
- Enter OTP > Select new limit > Confirm request
- You’ll receive a confirmation SMS once approved.
3. Via HDFC Customer Care
- Call HDFC Bank customer care.
- Speak to an agent & request a credit limit enhancement.
- Upon verification, you’ll receive a confirmation message.
Benefits of Increasing Your Credit Limit
- Higher spending power.
- Better credit utilization ratio = Improved credit score
- More flexibility for big-ticket purchases.