Can we have 2 credit cards from HDFC Bank?

Disclaimer: Its theoretical numbers only, not practically possible unless you’re a big shot celebrity. Its a known fact that HDFC issues only one credit card for majority of their customers and for a selected few, they do issue two credit cards on exception, provided they’re eligible for such higher line of credit.

Can you get two credit cards for the same account?

Issuers won’t make it easy. Having two of the same credit card is generally discouraged by issuers. If you’re planning to try to get two of the same card, you’re going to have to read the fine print and may face limitations, especially if you’re planning on earning sign-up bonuses for both.

Can I spend more than my credit limit HDFC?

Charges on ‘over limit’ applied by several banks are: HDFC Bank: 2.5 percent on the ‘over limit’ amount, subject to a minimum of Rs 500. ICICI Bank: 2.5 percent of the amount that exceeds the limit/ the ‘over limit’ amount, subject to a minimum of Rs 300.

Can I have both Infinia and diners black?

Both Infinia and Diners Club Black (DCB) come with a joining fee of Rs 10000 plus GST. This is not charged in most cases making the card First Year Free (FYF). The annual fees are Rs 10000 plus GST for both Infinia and DCB from the second year onwards.

How can I use two credit cards smartly?

If you have another card with a billing cycle ending on 15 of the month, you can juggle your expenses and smartly maximise the interest-free period benefit. Use card A for shopping till the 15, and switch to card B after that. Switch back to card A after the 30.

How do I add a second credit card to my account?

To add an authorized user, contact your credit card issuer by phone or by logging on to your online account. The card issuer will need the authorized user’s personal information, including their name, address, date of birth, and social security number, to process the request.

What happens if I use more than my credit limit?

When you go over the limit on your credit card two key things can happen—you pay an over-limit fee and you hurt your credit score. If you go over your limit, you’re charged an over-limit fee of up to $25 for the first instance and up to $35 for the second, according to the Consumer Financial Protection Bureau.

What happens if I pay more than my credit card limit?

While spending over your credit limit may provide short-term relief, it can cause long-term financial issues, including fees, debt and damage to your credit score. You should avoid maxing out your card and spending anywhere near your credit limit. Best practice is to try to maintain a low credit utilization rate.

Is HDFC Infinia card lifetime free?

Apart from the limit, it also seems that they made it “relatively liberal” on deciding to whom to give these cards, especially the Infinia. Additionally, these cards are issued as Lifetime Free variant as per the pre-approved offer. That’s right! Lifetime Free Super Premium Credit Card.

Can you use 2 credit cards to pay each other?

Key takeaways. When you’re transferring a balance, you can use one credit card to pay off another. You can’t pay direct monthly payments for one card with another card. It’s possible to take out a cash advance on one credit card to pay off another, but it’s not a good idea.

How often does credit one increase your limit?

every six months
How often does Credit One Bank give credit limit increases? Credit One may automatically increase your credit limit as often as every six months. However, these increases aren’t guaranteed and may depend on a variety of factors including your credit score, credit utilization ratio and history of on-time payments.

Can I have more than one HDFC Bank credit card?

Yes. However HDFC Bank issues only 1 Credit Card for each Cardholder. But you can hold another bank Credit Card and an HDFC Bank Credit Card as long as you have a good credit score. Just make sure to pay your outstanding on time and maintain your CIBIL score.

Who is eligible for HDFC Bank Regalia credit card membership?

HDFC Bank Regalia Credit Card holders both fresh & upgrade onboarded on or after 20th March 2019 Until 10 th Jan’21 and have spent 75,000 within first 90 days from card set up date are eligible for this membership. Are existing HDFC Bank Regalia Credit Card Cardholders also eligible for the membership?

What is the difference between HDFC diners and HDFC Infinia?

Unlike HDFC Infinia, you don’t need a separate Priority Pass card to access lounge, all you need is just your Diners card. Add-On Card Lounge Access: Officially, HDFC Bank says that the unlimited lounge benefit is limited only to primary card member and not extended to add-on card holders.

What is the floor limit of HDFC Bank Diners Club Black credit card?

The floor limit of HDFC Bank Diners Club Black credit card is 4 Lakhs. Usually the cardholders have limits in the range of 4-8 Lakhs. Reward Point Redemptions