HDFC Bank Credit Card Eligibility
The OTP Checkout facility provides a higher level of protection for your online transactions with two-factor authentication. What this means is that when you use your HDFC Bank Credit or Debit Card for an online transaction, a one-time password is sent to your registered mobile number. Get OTP for HDFC Bank By Sending SMS request Send an SMS С PWD Т to or to from your registered mobile number (Note: are the last 4 digits of your HDFC Bank Credit Card number).
Door No. Have any queries? Click here for more details. HDFC Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, HDFC Bank is a name to reckon in the credit market. The customers can enjoy numerous benefits on tailor-made HDFC Bank credit cards based on different needs. For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle.
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category. Individuals who want to apply for a HDFC Bank credit card must meet the following eligibility criteria. The applicant should be minimum of 21 years old and maximum of 65 years. The income criteria differ according to the features and specifications of the card.
You can either be a salaried employee working in an established company or a self-employed professional managing your own business. Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill. Age of the Applicant: Using a credit card becomes a huge responsibility.
An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month. A good credit history is highly preferred by the lender for offering a credit card. If you want to apply for a HDFC Bank credit card, the process is simple, and you can follow the steps given below to get it.
HDFC Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. Similarly, interest free period is not applicable for withdrawing cash from ATM. Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank.
The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card. For each transaction, a fee of 2. ATM transactions do not get interest free period unlike other purchases. Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the how to go to accessories in windows 8 needs to submit the financial documents such as salary slip, bank statement, income tax returns etc.
However, the credit limit increase is determined at the sole discretion of the bank. You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account.
This can help you pay the bills on time and avoid paying interest on late payment. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Fill out the required details which also includes the credit card number and payment amount. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. You can pay your HDFC Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill. If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash.
You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days. You can follow the below steps to check your credit card eligibility. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it. CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you.
This increases the chances of approval rate and helps you get the right loan or credit card much easier.
Your eligibility is based on various factors like your credit score, income, other debts, etc. No, not necessary. How long does it take for my HDFC credit card to be processed and issued? Upon successful application completion, it takes about 21 how to control yourself when drinking days for the credit card to be issued, printed and dispatched to you.
However, in most cases, you will receive the card before 21 days. Are all HDFC credit card holders eligible for this coverage? HDFC Bank offers complimentary insurance coverage to its credit card holders. They will get the following insurance coverage for free: Accidental death: In the event of death in an air accident, Rs 3 crores will be compensated to the nominated next of kin. Medical emergency cover: Up to Rs 50 lakh is offered to the card holder for medical emergencies while traveling abroad.
Credit shield: in the event of accidental death and permanent disability, the outstanding amount on the Infinia credit card is covered up to an amount of Rs. Will HDFC check my credit score while processing my credit card application? Yes, your credit score and past credit history is important to determine your credit card eligibility and credit limits granted on the card.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri how to wear a male thong. Click here for more details All written queries will be responded within 1 working day.
We'd love to help you through every step along the way. Enter your personal and contact details. After the verification, a representative from the bank will get in touch with and ask guide you through the process.
You can directly apply online for a credit card. You can call the toll-free number from your mobile and Landlines in India. Cash payment You can pay your HDFC Bank credit card bills by paying in cash at any one of the branches nearest to you. Cheque payment If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash.
Visit the CreditMantri website 2. The minimum income criterion is Rs. You can earn reward points on transaction amounts in multiples of Rs.
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Key Highlights of HDFC Bank Credit Card Eligibility
Call PhoneBanking to get the OTP (One Time Password) on your registered mobile number for PIN generation at ATM. Step2 Insert your credit card at the HDFC Bank ATM and on the language selection screen, choose Create new ATM PIN using OTP option. Step3 Enter OTP received on your mobile. Step4 Enter your registered mobile number. Step5. Through ATM Call PhoneBanking to get the OTP (One Time Password) on your registered mobile number for PIN generation at the ATM Insert your credit card at the HDFC Bank ATM and on the language selection screen, choose " Create new ATM PIN using OTP " option. Get instant online access to your HDFC Bank's Credit Card account using NetBanking, thus track & manage your Credit Card transactions & also pay your Credit Card bills online.
For example, if you travel a lot then there a Jet Privilege Card. If you love to shop then there is a Money back card and similarly, there are cards for rewards as well as other needs. You can surely apply for the card which suits your need and if you spend more, then you will receive more benefits as well. There are different ways which you can follow and we have listed them all.
The number will redirect you to an IVR Menu and you can make the selection to reach the customer service adviser. The executive will then validate the details for you and they will hotlist your credit card. The phone banking number that you can use is There are different numbers for different cities but you can use any of them to get the card blocked.
This is how you can block the credit card using internet banking and if you wish to use the Mobile Banking App to block the card then you can follow the process listed. Here is the process to Block the Credit Card using the Mobile Banking app but before you move to the process, you should know that you can only use the mobile banking app if you have a savings account with HDFC Bank. You will not be able to use the app if you only have a Credit Card from the bank.
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