Credit Card Limit Enhancement

Maximise your spending power instantly

Request for an increase in Credit Card limit today and enjoy greater financial flexibility and more purchasing power.  What’s more, there are no charges to increasing the card limit.

Increase the Limit of Credit Card Today!

  • Raise your credit limit in a jiffy!
  • Every Credit Card has a specific limit known as a Credit Card limit – this usage limit is the maximum amount you can spend using your Credit Card. The credit limit varies based on your Credit Card type and eligibility. Credit limit enhancement is for select customers based on usage, repayment, and spending. Find out if you qualify in just two clicks here.

  • Why enhance your credit limit?
  • -Enhanced credit scores
  • -Consolidated Reward Points on a single card
  • -Eligibility for a Higher Loan on a Credit Card
  • -Opportunity to upgrade to a premium Credit Card with additional benefits and rewards

  • How to increase credit limit in just three simple steps?
  • 1. Get a new credit limit by clicking here
  • 2. Verify your identity
  • 3. Review your eligible limit
  • 4. Confirm your new limit.

  • Get a new credit limit by NetBanking:
  • 1. Log in to NetBanking
  • 2. Navigate to 'Cards.’
  • 3. Select 'Request' and 'Credit Limit Enhancement.' 
  • 4. Eligible? Proceed with the enhancement request.

  • Get a new credit limit by Phone Banking:
  • Call our 24/7 customer care number for help Or visit your nearest HDFC Bank branch for more information

Frequently Asked Questions

Don't worry; there are NO T&Cs | NO hidden charges to increase the limit on your Credit Card. It's absolutely 'Free.'

Sorry, the limit enhancement facility is only available for the Primary Cards.

Yes, a credit limit increase is beneficial for your credit score. It lowers your credit 

utilisation ratio, showing you use credit responsibly and can manage higher limits effectively.

Here are the top 5 benefits you can enjoy with a higher credit limit:

  • No hassles of managing multiple Credit Cards

  • Improved credit scores

  • Handy in case of emergencies

  • Possibility to upgrade to premium Credit Cards

  • Easier access to get a higher Loan on Credit Card

You can read this article to know more >> https://www.hdfcbank.com/personal/resources/learning-centre/pay/benefits-of-creditcardlimit-increase

​​​​​​Customers can set a cap on their spending limit even after increasing it. However, having a higher limit is generally advisable, which is why over 5 million customers have opted to raise theirs.

Limit Enhancement is increasing the credit limit on your existing HDFC Bank Credit Card. We enhance credit card limits based on usage and repayment records for a special few.

Credit limit enhancement is the process of increasing the maximum amount you can spend using your Credit Card. 

A good credit limit varies by individual, but generally, it should be high enough to manage your spending comfortably without maxing out, ideally around 30% of your credit.

  • Exclusive Offers: Enjoy special promotions and offers available for customers with higher credit limits.

  • Personalised Enhancements: Tailored credit limit increases based on your usage, repayment history, and spending habits.

  • Spending Power: Boost your credit limit to handle larger purchases and expenses with ease.

  • Larger Loans: With an increased limit, you may qualify for higher loan amounts on your credit card.

  • A greater credit limit allows for better management of unexpected expenses or financial emergencies.

  • When you extend your Credit Card limit, you can consolidate spending on one card rather than juggling multiple cards with different limits.

  • Easily manage significant purchases without reaching your limit too soon.

  • A higher limit can positively impact your creditworthiness by reducing your credit utilisation ratio.

  • Enjoy exclusive offers, discounts, and promotions available to customers with higher credit limits.