Can I Apply for HDFC Millennia if I Already Have an HDFC Card?

Credit Cards HDFC
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1

I already have an HDFC Credit Card. Can I apply for HDFC Millennia Credit Card?

2

Yes, if you already have an HDFC Credit Card, you can apply for the HDFC Millennia Credit Card as long as you meet the eligibility criteria, including the income and age requirements.
However, HDFC may consider your existing credit limit, credit score, and overall financial profile when processing the application. You might be eligible for an upgrade or an additional card based on your spending and credit history with HDFC

3

Yes, even if you already have another HDFC credit card, you can still apply for the HDFC Millennia Credit Card. Nevertheless, the following elements determine approval:

Qualifications for a Second HDFC Card

  • Your past card usage and repayment history (good credit behavior enhances chances).
  • Your entire HDFC credit limit (the sum of your HDFC credit limits shouldn’t be more than its internal limit).
  • Minimum Take-Home Pay (₹6 lakh for self-employed individuals and ₹25,000 for salaried individuals).
  • Duration Since Obtaining Your First Card (certain applicants must wait at least six months before submitting a new application).