Verified 6 Aug
Meena Patel
Asked 18 Jun 2026
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
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I have accumulated around 20,000 reward points on my HDFC Bank credit card. What is the redemption value in rupees and the best way to use them?
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.
