To increase the limit on your HDFC card, you have two options:
- Apply for HDFC ‘Limit Enhancement’ option on your existing credit card
- Upgrade to another HDFC credit card via ‘ Card Upgrade’ option.
For both these options, the first step is to check your eligibility with the bank. Make sure that your KYC with the bank is updated whenever there are any changes. The bank may also require you to provide additional information regarding your current income status when you apply for a credit limit increase. Most credit card companies will annually increase your credit limit if you have been consistent in paying your card bills on time and if you maintain a good credit score.
Let’s look at the steps involved in applying for a credit limit increase using the following methods.
Through Net Banking:
Step 1- Login to your HDFC banking account.
Step 2- On the homepage of your credit card, Click ‘Credit Card- Card Upgrade with Enhancement’.
Step 3-Choose your HDFC card and click on ‘Continue’.
Step 4- If your card is eligible for enhancement, you will receive a message displaying the credit limit.
Step 5-Once you know all the details, you can check the features of the new credit card if you are eligible for the same and can upgrade your card.
Step 6-Finally, the lender will approve your card and the same will be dispatched to your registered address within 7 to 10 working days.
All the rewards, dues and transactions, etc., will finally be transferred to the new card. However, in the case of only limit enhancement, the limit will be extended for the same card.
Through Customer care:
If you don’t have a HDFC Bank net banking account, you can also request for HDFC Bank credit limit increase by calling HDFC Bank customer care on the number mentioned below. The helpline is available 24*7, 365 days of the year including Sundays and Bank holidays.
HDFC Bank Customer Care number is 044 61606161
Visit your Nearest HDFC Bank Branch
Alternatively, you can also visit your nearest HDFC Bank branch to speak with bank officers and get your credit card limit enhanced.