HDFC Bank is the leading private bank in India in terms of customer base and products. They offer more than 40 different credit cards to suit every customer segment. You can also choose credit cards based on your spending pattern every month. 

Your credit limit is an important aspect to check while shopping for credit cards. Credit limit is the amount of credit you can use on your credit card. This credit limit is based on your income and credit score. Generally, credit limits are twice or thrice your net monthly income. Based on your usage and repayment history, HDFC Bank regularly upgrades your credit limit. So it is vital to have a healthy credit utilization ratio and a good repayment history. 

If you want to increase your credit limit, do the following – 

  1. Call the HDFC Credit Card customer support and ask for a credit limit increase. If you have a good standing with the bank, they will increase it 
  2. Check your latest credit score. If it is low, take steps to improve it. A higher credit score will get you a better credit limit. 
  3. Reduce your overall debt-to-income ratio. 

Though the bank will send you periodical discounts and credit limit increase offers, you should keep checking to see how you can improve your chances of getting a higher credit limit. 

However, as aforementioned, users will undoubtedly find a credit card that meets their needs and income bracket. HDFC Bank is well-known for offering the most competitive credit card discounts and promotions. Apply for one with Creditmantri today! Confirm your eligibility here!