How to increase credit limit on HDFC Bank credit card?
Katrina Choudhary
Asked 27 May 2026
I have been using my HDFC Bank credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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