How to increase credit limit on HDFC Bank credit card?
Shivakumar Pal
Asked 10 May 2026
I have been using my HDFC Bank credit card for 6 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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