If you already have a credit card from HDFC bank then this is for you. Depending upon how much you spend & how regularly you repay the dues the bank allocates higher limits on your card from time to time.
But to actually avail of that limit upgrade you have to take action from your side. You can either call the customer care to inquire, or you can check in NetBanking if you’re eligible for credit limit increment.
Login to NetBanking, go to Cards > Credit Cards > Request > Credit Limit Enhancement. Upon selecting your card number you will be presented with either a credit limit that is higher than your current limit if you’re eligible, or a message that you’re currently not eligible.
In case you do have an upgrade available then you just have to request for it & your card’s limit will be enhanced immediately. You can verify the new limit by going in the Cards > Credit Cards > Enquire > Account Information section.
In case you’re not eligible for an upgrade right now then there will be a button to get a message when an enhancement is available. Click that & the bank will notify you when it is available.
Either ways, it’s easy to upgrade your credit card’s limit & you should always ask for it even if you don’t spend much. It’s always good to have the highest credit card limit that you can.