How to get HDFC credit card?

The process is simple. But approval depends on eligibility.

A few steps. Some documents. And basic credit checks.

Let’s understand how it works.

Step 1: Check Eligibility First

Before applying, basic requirements must be met.

Credit cards issued by HDFC Bank usually require:

• Minimum age: 18–21 years
• Stable source of income
• Valid PAN card
• Address proof
• Good credit score

A credit score above 700 generally improves approval chances.

Lower scores may lead to rejection.

Step 2: Choose the Right HDFC Credit Card

HDFC offers different credit cards for different spending habits.

Common categories include:

• Cashback credit cards
• Travel credit cards
• Lifestyle credit cards
• Premium credit cards

Entry-level cards are easier to get.

Premium cards require higher income and stronger credit history.

Choosing the right card improves approval chances.

Step 3: Apply Online

The fastest way to get a credit card is through online application.

Steps usually include:

1. Visit the official HDFC credit card page
2. Select the preferred credit card
3. Click Apply Now
4. Enter personal and income details
5. Upload documents
6. Complete video KYC verification

The application process usually takes around 10–15 minutes.

Step 4: Apply Through HDFC Branch

If online application is not preferred, a branch visit is possible.

Steps include:

• Visit the nearest HDFC branch
• Fill credit card application form
• Submit required documents

Branch applications may take slightly longer.

Online applications are usually faster.

Step 5: Submit Required Documents

Banks usually verify identity and income before approval.

Common documents include:

• PAN card
• Aadhaar or address proof
• Salary slips or bank statements
• Income tax return for self-employed applicants

Correct and complete documents speed up the process.

Real Example

Monthly salary: ₹35,000

Credit score: 760

Applied online for an entry-level HDFC credit card.

Video KYC completed the same day.

Approval received within three days.

Card delivered within a week.

A clean credit profile helped.

How Long Does It Take to Get the Card

Typical timeline looks like this:

• Application submission: 10–20 minutes
• Approval decision: 2–7 working days
• Card delivery: 5–7 working days

Delivery time may vary depending on location.

Why Applications Sometimes Get Rejected

Common reasons include:

• Low credit score
• High existing loan burden
• Multiple credit card applications
• Incorrect details in application
• Insufficient income

Improving credit profile increases chances in future applications.

Can Someone Without Credit History Get HDFC Credit Card

It may be difficult for unsecured cards.

An alternative option is a secured credit card.

In secured cards:

• Fixed deposit is kept with the bank
• Credit limit is linked to deposit value

This helps build credit history over time.

After several months of disciplined usage, unsecured cards become easier to get.

Does Applying Affect Credit Score

Yes.

Each credit card application triggers a credit inquiry.

Too many applications in a short period may reduce credit score slightly.

It is better to apply only after checking eligibility.

Tips to Increase Approval Chances

Some habits improve approval probability:

• Maintain credit score above 700
• Clear existing dues before applying
• Avoid applying for multiple cards together
• Ensure income documents are accurate
• Maintain stable employment

Preparation helps the application succeed.

What Happens After Approval

After approval:

• Digital card details may be provided first
• Physical credit card is dispatched
• Card must be activated before use

PIN generation and activation complete the process.

FAQ

Can HDFC credit card be applied online?

Yes, through the official HDFC website.

What credit score is required?

A score of around 700 or above improves approval chances.

How long does card delivery take?

Usually 7–10 working days after approval.