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How many HDFC credit cards can I have
- Thread starter jay12
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- cards credit cards hdfc
drsel
TF Prestige
HDFC Bank typically allows a maximum of one primary credit card per customer.
However, the bank does offer a feature known as the "Add-on Card" which allows a primary cardholder to apply for additional cards for their family members, such as a spouse, parents, or children. These add-on cards share the credit limit of the primary card but can be used independently.
Of late HDFC has become more generous, maybe due to competition from Axis bank (which officially allows 3 cards) and others like ICICI bank who upgrade your old card to a new card without cancelling the old card.
So now HDFC allows you to have a core card, a floater card and also a co branded card.
You can have a core card like Infinia (with add on cards) and also a floater card like Biz black, and a third co branded card like Swiggy
But if you already have co branded card like HDFC Swiggy, you will not get Infinia easily
Kindly mark this as your solution if you are satisfied, thank you 🙏
However, the bank does offer a feature known as the "Add-on Card" which allows a primary cardholder to apply for additional cards for their family members, such as a spouse, parents, or children. These add-on cards share the credit limit of the primary card but can be used independently.
Of late HDFC has become more generous, maybe due to competition from Axis bank (which officially allows 3 cards) and others like ICICI bank who upgrade your old card to a new card without cancelling the old card.
So now HDFC allows you to have a core card, a floater card and also a co branded card.
You can have a core card like Infinia (with add on cards) and also a floater card like Biz black, and a third co branded card like Swiggy
But if you already have co branded card like HDFC Swiggy, you will not get Infinia easily
Kindly mark this as your solution if you are satisfied, thank you 🙏
Last edited:
sendhil.warrior
TF Buzz
Totally 3 cards I have for now,
HDFC millennia
Tata nue plus and
Swiggy
HDFC millennia
Tata nue plus and
Swiggy
You can get 1 core card and then as many as co branded(Tata neu, Swiggy, Marriot bonvoy, Times Prime, etc) card as you want, all of them will share single limit
There have been few people who got 2 core cards, i read awhile back on this forum that someone had DCB and Infinia both, but it's quite difficult to get as HDFC doesn't give more then one core card per customer
There have been few people who got 2 core cards, i read awhile back on this forum that someone had DCB and Infinia both, but it's quite difficult to get as HDFC doesn't give more then one core card per customer
drsel
TF Prestige
Regarding which HDFC cards are recommended --
I recommend only three cards from HDFC .
1) Infinia as core card-- first apply for this through the branch if you have 45 lacs ITR (now increased to 60 lacs ITR for self employed/ business)
2) Biz Black as floater card-- then apply for this through the branch with 27 lakh ITR (now increased to 30 lacs ITR for self employed/ business
3) Swiggy as co-branded card 10% cashback on swiggy food delivery.
I can get this lifetime free through my Swiggy app
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Regalia LTF and Tata Neu Infinity LTF. Shared limit on Neu (it shares regalia limit as it's a co branded card).
Waiting to change my regalia as and when the opportunity arises.
Biz Black is for self-employed / business profiles and not salaried.
Depending on ITR and needs, you can choose -
Millenia for cashback
Regalia Gold for lounge access
DCB / Infinia for multiple benefits
Waiting to change my regalia as and when the opportunity arises.
Biz Black is for self-employed / business profiles and not salaried.
Depending on ITR and needs, you can choose -
Millenia for cashback
Regalia Gold for lounge access
DCB / Infinia for multiple benefits
As for recommendations,
Get a Core card as your first with HDFC like Millennia, Regalia Gold, DCB or Infinia, depending on your eligibility
Then get a co branded card ,
- Tata Neu if you want a Rupay card for UPI spends, Plus or Infinity again depends on your eligibility
- Swiggy card if you want a good cashback card
- Marriot card if you want Marriot Bonvoy silver membership and one free room
P.s. do not get co branded card as your first, you won't be able to get any core cards and you'll regret it, always get core card first
kiranjain
TF Select
Does HDFC business moneyback will do instead of millennia or regalia??? Since everytime I check I don't get millennia or regalia.... Always show some business credit card.
I am self employed and only have current account with HDFC.
I'm saleried with a savings account, so can't get business cards
But yeah Business Moneyback/Millennia/Regalia, Biz Grow/Black/Power are core cards for self employed folks
Shaik Yakoub
TF Buzz
Hello, I made a big mistake of taking Swiggy a co-branded card as my first HDFC card and haven't got any floater since 5 months. Please let me what should I do?
Cons:
1. Got Airtel axis so don't need swiggy
2. Only 40k limit while I got min 87k to 4.2L cards
3. Charges.
My doubts:
1. Should I Surrender the card and apply a fresh one? If yes then it takes 6 months cooling period right?
2. Is there a way to get a core HDFC card and LTF if possible?
3. Does they allow C2C? As last time 3 agents refused C2C saying there isn't any way to do C2C in HDFC.
Cons:
1. Got Airtel axis so don't need swiggy
2. Only 40k limit while I got min 87k to 4.2L cards
3. Charges.
My doubts:
1. Should I Surrender the card and apply a fresh one? If yes then it takes 6 months cooling period right?
2. Is there a way to get a core HDFC card and LTF if possible?
3. Does they allow C2C? As last time 3 agents refused C2C saying there isn't any way to do C2C in HDFC.
doctoramar
TF Select
Hi! I have moneyback plus as my core card and tata neu card as my co branded card.
Have an offer to upgrade to regalia gold.
I am opening hdfc premium banking account and rm has assured me a premium card(dcb or biz black) after a couple of months.
Any harm in upgrading to regalia gold now?
Will it affect my chance of getting dcb/biz black after a couple of months?
Abdullāh Khān
TF Select
Is this ITR thing for the "income" shown on the return itself or the total income of a person. Asking this in a scenario of someone filing under 44Ad or 44ada, then in that case presumptive taxation is used and income is either shown half or reduced on the ITR, are the banks aware of it while processing the requests.
drsel
TF Prestige
It's your net income or net profit which is taxable.
that will be considered
Abdullāh Khān
TF Select
So for those 6L ITR requirement= 12L actual income? 🥲 (Self employed)
your gross receipts * 50% is considered as income under presumptive tax - so income will only be considered per ITR by bank. The gross receipts wont be considered as benefit of expenses is given under 44ada.
Lordsom
TF Buzz
I have 3.
1) Diners Black (Yearly 4.5 L spend to get renewal fees waived)~sorta LTF as I never paid a penny towards this
2) Infinia (FD linked LTF)
3) Tata Neu Infinity
They are willing to give one more: Cobranded Swiggy, which I won't take.
Imperia banking helps.
1) Diners Black (Yearly 4.5 L spend to get renewal fees waived)~sorta LTF as I never paid a penny towards this
2) Infinia (FD linked LTF)
3) Tata Neu Infinity
They are willing to give one more: Cobranded Swiggy, which I won't take.
Imperia banking helps.
Regarding point 1- will this work if you are salaried where your ITR goes above 45 but your payslip (monthly take home) is below their threshold of 2.75 lakhs? If you are salaried, will they mandatorily ask payslip even if you want to take the ITR route?
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