HDFC Bank Credit Cards Policy

Customer Criteria:

The customer interested in a credit card must duly apply vide an application form and submit the same to
the bank (either digitally or physically) with the appropriate KYC documents and other required
documents. The bank shall carry out a bureau check on all applications as per its internal credit policy. The
card limits are assigned basis defined criteria, subject to adherence to the underwriting guidelines and
Know your customer (KYC) guidelines. The credit limit is arrived after factoring in the customer’s
occupation, monthly income, banking relationship, etc.

Product/Eligibility Norms

Products Classic, Premium& Co-Brand, Super Premium

Minimum Age 21 years
Application Form Digital or Physical
Income Documents Salaried – Latest Salary Slip/Form 16
Self Employed – Income Tax Return/Bank Statement*
KYC Photo ID proof & Address proof
Minimum Credit Limit Rs. 10,000
Interest Free Credit Period Upto 50 days
Eligible Segments Salaried or Self-employed individuals or Customer who have existing
bank relationship.
Interest Free Credit Period Upto 50 days
Repayment Modes Through any of the payment channels (E.g. Net banking, ATMs,
Cheque /cash deposit in branches, Standing instructions for account
holders with HDFC Bank).

*Waived for HDFC Bank customers

The Bank may carry out a contact point verification for validation of address

The Bank reserves the right to reject an application basis its appraisal and credit criteria. Rejection of a
credit card application is based on the bank’s internal criteria and does not necessarily reflect the
customer’s financial standing.

Corporate and Commercial cards

The bank offers credit cards to corporate entities in the form of Corporate and Commercial Cards. Credit
limit is assessed based on financial statements of the corporate supported with other documents such as
Annual Reports, Board resolution and Business vintage.

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Ver 1.0 – 1st July’22