Is a HDFC Bank credit card good for students?
Ananya Bose
Asked 24 May 2026
Reviews of HDFC Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for senior citizens?
2 Answers
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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