How to Increase HDFC Credit Card Limit?

How to Increase HDFC Credit Card Limit

In today’s world, credit cards have become an indispensable part of our life. All credit cards have a specified credit limit and we cannot spend more than that at a given point in time. However, it is not permanent and can be increased if you’re eligible for an increase on your card. In this post, I will tell you how to increase HDFC credit card limit.

How to increase credit limit in HDFC credit card? How to increase credit limit of HDFC credit card? Or how to increase my HDFC credit card limit? This is a common question bugging many individuals holding this card. So, today I will try to find an answer to this question.

HDFC Credit Limit Increase

Various things determine your credit limit eligibility. This can vary from card to card and even from individual to individual. HDFC bank decides this, depending on their perception of your ability to pay.

HDFC bank takes into account some parameters such as your income, your credit score, etc. for fixing it. It is not permanently fixed and can be increased.

How to Increase Credit Card Limit in HDFC

It is always a good idea to increase the credit limit of your card if you can afford it, and the bank is willing. This will work if you have been using your cards successfully and paying all your dues in time.

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Benefits of HDFC Credit Card Limit Enhancement

There are various benefits of the HDFC credit card limit increase SMS.

1. No need for managing multiple credit cards

There will be no need to manage multiple cards if you opt for a limit increase on your existing card. You need not remember various pins, manage multiple payment cycles, track different expenditures, and remember to pay dues on time.

2. Improved credit scores

Managing the same level of expenses with an increased limit is valued higher in credit scores. Thereby, you can benefit from an improved CIBIL score through these enhancements.

3. Access to get more loans with ease

Having a long history of on-time payments for one card is much more valuable than split credit history. And seeking credit limit enhancement as and when required will give easy access to get more funds.

4. Handy in financial emergencies

Credit Cards offer access to the capital immediately unlike other loans and advances. A higher limit is very useful in the event of critical financial emergencies or unplanned expenditures.

5. Better rewards

Credit Cards by nature are very good tools for the customers who spend and pay back regularly. With a higher limit, higher expenditures may get you better rewards and more on select products.

Now the question arises – How to increase limit of HDFC Credit Card.

Tips to Increase Credit Card Limit HDFC

The following are few tips to increase the limit for your card:

1. Apply for a new card

You can easily apply for a new card to increase your credit limit. The new and upgraded card will automatically give you a limit increase. You can choose a card that offers more rewards and give you additional benefits compared to the existing one. If you are managing your credit well, there is a chance you can get a new card with more benefits than the existing one.

2. Request to increase the limit

You can request to increase the limit on your existing card. However, the increase will depend on various parameters such as your income, credit history, and credit score. If you are using multiple cards, it is important to select the right card for which you would want enhancement.

3. Provide more information

If there is a change in your financial status due to a pay hike. And this could make you eligible for a higher limit. For example, you received a good pay hike in the past few months, but you still using your old card with its existing benefits. Just give this information to your bank. And ask them to increase your limit as per your new financial status.

4. Annual increase

An annual increase in it is offered by banks if you are paying all your dues in time. This comes with very good offers on rewards. Therefore, you can use this annual increase facility. Even if you don’t need one that time but you never know when you might need a higher credit limit?

5. Improve your credit score

A higher credit score means the higher your credit limit will be. Therefore, make sure that you have a good credit score. You can increase your credit score by paying all your EMIs and other dues on time. Also keeping your spending within limits can be helpful to improve your credit score.

So, here we will get the answer to the question “how to increase my HDFC credit card limit online request”.

How to increase the limit of HDFC Credit Card?

Following are the ways to find an answer for “How to increase limit in HDFC Credit Card.

1. Apply through Net Banking

2. Call HDFC Bank Customer Care

3. Visit nearest HDFC Bank branch

4. HDFC Bank approaches you

How to increase HDFC Credit Card limit online?

In case there is a limit enhancement eligibility on your card, you can increase it using HDFC bank net banking. Follow the below-mentioned easy steps to know how to increase HDFC credit card limit through net banking.

1. First of all, visit the HDFC Netbanking website. Click here.

2. Login using your User ID/Customer ID and Password.

3. Once logged in, click on the “Cards” option on the home page.

4. Next, click on the “Request” option on the left menu and then select the “Credit Limit Enhancement” option.

5. Choose your active card and click on the “Continue” tab to know your eligibility.

6. Next page, you can see your current and eligible limit.

7. Enter the new one in the space provided. It should be higher than your current one and less than or equal to the eligible one.

8. Click on the “Continue” tab and proceed further.

9. Once your request is submitted, you will receive a confirmation message.

10. The new limit will reflect on your card instantly when you place a request.

11. To apply for a limit enhancement has never been this easy.

12. This is how to increase credit card limit HDFC Netbanking.

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By Calling HDFC Bank Customer Care

If you are not using the HDFC Bank net banking facility, you can still request for credit limit increase by calling HDFC Customer Care Number mentioned below. This facility is available 24×7 including on all days.  HDFC Bank Customer Care numbers are 61606161 / 6160616 / 1800 266 4332.

By Visiting your Nearest HDFC Bank Branch

To get your card limit increased, you can also visit your nearest HDFC Bank branch to speak with a bank executive. This is how to extend credit card limit HDFC by visiting the bank branch.

HDFC Approaches You

When your existing card is eligible for a limit increase then the bank may contact you via a call or SMS / email. If you are ok with the limit enhancement details, you can accept the offer. This way also you find “how can I increase my HDFC credit card limit”. You can see the email sent by HDFC bank in the below image.How to Increase HDFC Credit Card Limit

Click here for HDFC Credit Card Limit Increase Form.

Final Thoughts

I hope now you know that how to increase HDFC credit card limit online. It is very easy and there’s nothing that stops you from going for it. Looking at the benefits, it’s always a good idea to have a higher credit limit. You never know when you will need it.

Note: This post was originally published on November 17, 2020 and has been completely updated for accuracy and comprehensiveness.

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