Increase HDFC credit card limit with 5 things

Willing to Increase HDFC credit card limit, some basic ways which help to enhance Credit card limit of HDFC bank, which we will learn later; In order to increase HDFC credit card limit,5 important things to know is very essential,

1st thing to Increase HDFC credit card limit

keep maintenance on credit card performance, this performance often build with how does a credit cardholder use the available limit of credit card, so try to never take your credit card is over-limit

2nd thing is to Increase the limit of HDFC Credit card

Always keep remember that credit card due date, statement generate date; time of transaction you often use ,and also please be cognizant of the last expenses on the credit card; an important role will receive on behalf of the bank if the bank receives HDFC credit card bill payment on time;

here important roles stand for limit enhancement offers, loan offers, card upgrade offers, etc; Hdfc bank provides limit enhancement offers to only on if the credit card’s maintenance overall good at least; If the bank receives the Late amount payment on the credit card delay, it will decrease the performance(civil score) on credit cards; One-time payment is missed on your credit card is less effective but delay payment for your credit card is not recommended even if for two months onwards

Therefore making payment on time is of utmost necessity, regardless of how much amount is expended through credit card; In the glance of Bank, the amount is only amounting .regardless of how bigger/smaller amount a credit cardholder expend using his/her credit card;

3rd thing to Increase HDFC credit card limit

Banks often start giving offers on behalf of credit cards, if the credit card’s using duration time reach up to six months at least; so don’t expect to get Limit increase offers before six months from the time of when the credit card was issued to date; because banks often review card holder’s credit cards on the basis of, Maintainance, real-time payment, expenses on the credit card,

4th thing to enhance the limit of HDFC credit card

Never become a delinquent customer in the Glance of the bank, being a delinquent customer means, such customer give the profit to the bank but with delay, If possible to do, use the total available credit card limit up to 60 to 80% per month, make it possible; Making higher transactions using a credit card also build a good relationship with the bank in keeping with only bank notice real-time payment;

How to HDFC credit card limit enhancement online via Netbanking?

If all the above five ways absolutely match to a credit cardholder, the bank has to give them limit enhancement offers, in order to check the available offer details on either HDFC credit card behalf or Account behalf,

send an SMS .by writing MYHDFC to 5676712 from registered mobile number

if a limit enhancement offer is available on the credit card, a cardholder can increase the credit card limit using net banking, First of all, visit on official bank website login on HDFC Netbanking and then click on option cards >credit card>click on option request >limit enhancement,

And then select your credit card, if a credit card is already registered on net-banking

How to link hdfc credit card to bank account

hdfc credit card limit increase
hdfc credit card limit increase

After selecting a card, the bank will authenticate before card limit enhancement, so the cardholder will receive an OTP with the four digits on the registered mobile number with the credit card;

To accomplish the authentication process please enter that four digits of OTP so that this request for credit card limit increase

Enhance HDFC Credit card limit using SMS Banking

The other methods to increase the Hdfc credit card limit is, SMS banking, and Customer care respectively; Currently running an issue in SMS banking, if a cardholder tries to enhance the limit through SMS banking, this request may deny or underestimate, therefore cardholder can reach HDFC Bank customer care toll-free number 01161606161,

But make sure to provide accurate information such as DOB, ADDRESS, Mobile number, for authentication on Call, and then they will complete Further process ;

How to enhance credit card limit using a Limit enhancement form?

Sometimes you may have come across a problem in credit card net banking due to the absence of having an account in the bank, or sometimes, internet banking could not work properly then In such cases, the cardholder can submit a form named LIMIT ENHANCEMENT FORM, this form is available on the bank official website

to do download this form click here , after downloading this form, take a printout of this form and submit this form to hdfc bank dropbox but make sure the latest three-month salary slip /bank account statement need to submit along with that form;

on the basis of bank account statement or salary slip/ITR file, the bank will enhance credit card limit, but it is also subject to bank approval, In case of any doubt please feel free to ask in the comment section and also share as much as is possible

HDFC bank credit card limit enhancement online form Submission

I want to clarify that the Limit enhancement form can’t be submitted online either via Internet banking or mobile banking, internet banking has already this facility to avail available offers of credit card limit enhancement, only customers can download this form online, can submit that form with required documents,

documents are very important that let your bank understand your concern, for instance, I notice that many of credit cardholders they carry hdfc bank credit card with a certain limit in terms of usage, and need, but I have also noticed that credit card limit is also reduced, due to unbalanced usage of credit card, actually it depends on how you manage your credit card, if you are still unsure how to use a credit card, then please read this article,

hdfc credit card limit enhancement charges

I want to inform you that there are no limit enhancement charges taken by the Bank because the bank get you this offer as a reward on the basis of your stupendous credit card performance, I am sure because the Hdfc bank credit card I have is enhanced two times limit so far but the charges never taken , so if somebody calls you and ask you to pay a certain amount limit to increase the credit card limit, then beware of that calls,

Because the Bank only charge when you expend a certain limit of your credit card limit and you do not pay that amount till require date then it does take but please understand about it,

when hdfc credit card limit increase

I have often noticed HDFC Bank provide credit card limit enhancement offer when you come across limit offers, not only that, there are also higher chances of limit enhancement, when you upgrade your credit card, for example, if you contact customer care services, then they inform you about this offers

I would recommend, in presence of credit card upgrade, inform them to increase your credit card limit, and then you can take further action as per bank employee suggestion, since, many of us have used the credit cards for longer periods like For two years, for five years, but then offer may not have come, then I would suggest to check your last year credit card maintenance, and check the defaulter case if everything is fine, so then you can approach to the bank

sometimes it also happened with many credit cardholders that when bank offers them a kind of reward, they neglected that offers as they might not be in need or with something else purposes, but once the offers ended they approached the Bank to avail themselves those offers,

Therefore one more suggestion I have is, please try to avail the Banking offers, if you expect that offers may have come after a long time than that of you might have thought,

hdfc credit card limit upgrade online

Credit card limit upgrade offer gives you a chance to get another credit card from the same bank, in this process, everything remains the same such as present credit card limit, credit card due date, credit card statement generate date, but please forget that credit card number and expiry date would remain same, not it’s not that,

When a credit card is upgraded to another credit card then that credit card expiry date, due date changed, as well as, that credit card comes with different features in terms of reward and offers, here I will suggest you check the credit card features and specialization before you upgrade your credit card

Please note that the card up-gradation process is also free of cost, so be aware of somebody ask the payment for card up-gradation, although, if the approval is available for credit card upgrade, you can do it via internet banking also, to do so, please use the below steps

  • After logging on netbanking ,
  • Go the option ‘CARD’ tab
  • Choose the option “card upgrade” under credit card request
  • Authenticate that process using OTP
  • validate that request online
  • confirm your address
  • submit

How to know my hdfc credit card limit?

To check the credit card limit, you can contact a customer care executive but this is just a lengthy process, so I would recommend you go through internet banking or mobile banking,

Internet banking is really convenient when it comes to checking all details related to credit cards or Bank accounts, here our only purpose is to check the available limit online ,so please use the below process to get your problem solved

  • Visit hdfc bank internet banking official website
  • Click on continue to login netbanking
  • Enter your cust id and password
  • Go to “Cards tab”
  • Click on the credit card
  • View the Limit of your credit card

Also, read the below article-

Hdfc millennia credit card features and benefits

Hdfc bank mobile number change through all possible ways

How can I increase my HDFC credit card limit easily?

Firstly check the age of your HDFC credit card, whether that has been more than 6 months old by using that same HDFC credit card,
If Yes, try to find out, how you sustained the Maintainance so far, If you find delinquency in between, try to cover that as soon as possible, because The bank review your credit card every six months, on the basis of Bank review, You get Limit enhancement offers or other types of offers
Now you understand; so once you get the offer of Limit increment; you can get it done with the help of customer care services or with the help of Netbanking as well,

How to increase HDFC credit card limit by SMS?

To increase the HDFC credit card limit by SMS, type the SMS – MYHDFC TO 5676712
make sure you send the SMS message from your HDFC Bank registered mobile number, otherwise, if the Bank receives such SMS from an unknown number, you will get an Invalid message or won’t receive any SMS,

How do I increase my credit card limit easily?

I have mentioned all possible reasons for Limit enhancement; anyway, You have two options to increase your credit card limit –
1st – Submit a form named Limit enhancement form which has been discussed above, submission of this form always subject to Bank approval
2nd- you can call HDFC bank customer care services and request them to make a prior concern to enhance the Limit of your credit card,

what is the maximum limit of an HDFC Credit card?

The maximum Limit of an HDFC credit card varies from Card to card and limit to limit, for instance –
One Customer may have a regalia credit card with the limit of 100000 lakh, so he/she would get a limit enhancement offer with the limit of more than 100000 lakh

While 2nd customer may have Moneyback credit card with the Limit of 50000, so she/he would get with the limit of more than 50000 ;

Note- exact limit can’t be revealed due to limit enhancement offers are distinct for all credit cards, which you can know only with the Help of customer care or Netbanking


Leave a Reply

Your email address will not be published. Required fields are marked *