HDFC is one of the well-known banks in private sector, who can fulfill almost every desire of individuals. They provide you shopping, dining, travel, and entertainment related privileges. A credit card usage is easiest and convenient nowadays. When you are going to shop and choose one dress whose price is out of your wallet amount, that moment you can buy and make payment in installments. You can purchase anything without thinking twice.
Through HDFC product you can grab cash back, reward points, gift vouchers, and much more. They give you different types of product with apart features and benefits. The more you can swipe it the more you can surprise with benefits. You can grab unlimited lifestyle features, business, and explore the world with this.
Nowadays it can use for various purposes like to make payments, online shopping, traveling, dining with family, and much more. The banks can give online payment solution because they can see the busy lifestyle and work overload people, don’t have time to pay bills before the due dates and the result is your name captured in defaulter list. That’s the main reason you can check HDFC credit card eligibility online and match all thing, then apply and take all benefits to resolve your issues and live tension free life.
What Is The HDFC Credit Card Eligibility Criteria?
You can aware now why we need this product? You can use it on a daily basis such as from the grocery to bill payment. But, you have to check your HDFC credit card eligibility first, then enter into next level.
For HDFC credit card eligibility, they can divide into two categories for salaried age limit is 21 to 60 years and self-employed should be between 21 to 65 years. For both of criteria, clear previous history is mandatory. Another thing is most necessary that is your CIBIL score. The bank will check this thing also while giving you approval on behalf of age eligibility. The credit score range starts from 300 to 900, and above 750 shows your repayment capacity, and less than 650 indicates you are in danger, nobody can give you approval until you can improve your points.
During this, you can provide KYC also. For KYC identity proof, address proof, and income proof. For identity driving license, voter ID, and any photo ID proof is acceptable. For address passport, Aadhaar, and recent electricity bill. One recent passport size photograph. And a regular source of income you need to show because with this you can gain lenders trust to give you satisfactory interest rate.
It’s the main thing when you want instant approval for a particular product. You make sure all shared information with the bank should correct, if they have found any mistake or fault details, then immediately they can stop processing your application.
Which Are The Affecting Factors For HDFC Credit Card Eligibility?
When you are ready to apply for this card, then you should take care few things which can cancel your application if they found any error. Find the pointers where you can save yourself for getting instant approval
Income Of Individual: It plays the necessary role in your approval. The bank can check your income first, to know the regular source of income and repayment capacity. They can check the previous history because that record can explain your credibility. For HDFC credit card eligibility, the lenders can see your responsibility behavior also, if your source of income is good enough then payback on time without any fail.
Age Criteria: See, to handle a credit card is the huge responsibility. You have to maintain your payments, repayments, bills, or utilization properly. The lenders can watch out all things, then give you approval.
Previous Utilization History: When you apply, that time your clear record can help you to get the good interest rate on your product. You have to maintain the previous record also because the lenders can check it, then make a mind to give you ok. Your one mistake can put you in defaulter list and stop processing your application.
CIBIL Report: Before they can accept your application, you have to check online own credit score. Your CIBIL calculation should be as per lenders point of view otherwise, cannot have a product. The range starts from 300 to 900, and less than 650 put you on the reject list. So make sure your points should be more than 750.