Can I Have 2 HDFC Credit Card?

Can I have two HDFC credit card?

Yes, you can have a Visa or Master Card variant, and another of Diners.

However, the credit limit of the first card will be split between both the cards..

Are HDFC millennia cards good?

To meet this very need, HDFC Bank has recently launched its Millennia Credit Card that provides bonus CashPoints on online shopping, lounge access, cashback on all spends and more, all at an annual fee of only Rs. 1,000. With multi-faceted benefits, it can be a good match for many.

Is HDFC regalia credit card free?

HDFC Regalia Credit Card is among the most popular credit cards by HDFC Bank. The card charges an annual fee of Rs. 2,500 with easy waiver conditions and is best suited for frequent shoppers, travelers, and diners. Cardholders will also enjoy benefits under an excellent rewards program.

Will 2 credit cards build credit?

Having more cards can increase your total available limit, reducing your balance-to-limit ratio, which can positively affect credit scores. However, keeping low balances on just a few credit cards can result in very good credit scores. … You can have as good a credit score with two cards as you can with five or 10.

How do I add another credit card to my HDFC account?

Select and click the “Register New Card” link. You will be required to enter your credit card details such as card number, expiry date, and ATM PIN after which you will have to click on the “Submit” button. As soon as you have clicked on “Submit”, an OTP will be sent to your registered mobile number.

How can I increase HDFC credit card limit?

Apply for new card – This is the easiest way for Credit Card limit increase. Applying for a new, upgraded card will automatically give you a limit increase. You can choose from a wide variety of cards, preferably ones that give you additional Credit Card benefits compared to your existing card.

Can I apply for a second credit card?

Applying for a second (or fourth) credit card may be worth considering if you want to raise your credit score. After all, opening another credit card account will automatically lower your credit utilization ratio. That factor (along with the total amount of debt you owe) accounts for 30% of your FICO® score.

How do I avoid credit card annual fee?

The good news is that it’s possible to have a credit card with great benefits and avoid paying an annual fee.Ask for the fee to be waived. … Use your rewards to make up for the fee. … Switch to a different card. … Get a card with no annual fee. … Get a card that waives the fee. … Cancel the card.

How many credit cards does HDFC have?

Top 10 HDFC Credit Cards in India for 2020Credit CardAnnual Fee (in Rs.)Best Suited ForHDFC Regalia Credit Card2,500Shopping & TravelHDFC MoneyBack Credit Card500Rewards & ShoppingHDFC Millennia Credit Card1,000CashbackHDFC Titanium Times Credit Card500Movies & Dining6 more rows•Dec 24, 2020

Which HDFC credit card is lifetime free?

Exclusive Festive Pricing Condition valid Between November 1 2020 to March 31, 2021Credit Card ProductAnnual Membership feesDefault Pricing conditionMoneybackRs.500/- feeLife Time freeBusiness MoneybackMillennia credit cardRs.1,000/- feeRegaliaRs.2,500/- fee12 more rows

What is the maximum limit of HDFC credit card?

HDFC Business Platinum Credit Card Limit: 25,000 – 1,50,000. HDFC Business Moneyback Credit Card Limit: 25,000 – 1,50,000. HDFC Business Regalia Credit Card Limit: Rs. 2 Lakhs – Rs.

Which bank credit card is best?

Earn 5X REWARD POINTS on dining & grocery purchase with SBI Card PRIMEHDFC Regalia Credit Card.IndianOil Citibank® Platinum Credit Card.SimplyCLICK SBI Card.Citi PremierMiles Credit Card.SBI Card Elite.YES FIRST Preferred Credit Card.HSBC Cashback Credit Card.Standard Chartered Super Value Titanium Credit Card.More items…•

Which is the most premium HDFC credit card?

The HDFC Diners Club Black Card is a very profitable premium card for high spenders, but you must have an annual income of at least Rs. 2,100,000 to be considered….Best Premium Card: HDFC Diners Club Black Card.Age Requirement21-60 (65 if self-employed)Annual Income RequirementRs. 2,100,000Dec 8, 2020

Is it worth getting a second credit card?

A new credit card could net you more premium benefits, like higher cash-back rates, primary rental car insurance or no foreign transaction fees. It could also mean a lower APR which will save you money if you carry a balance month to month. But make sure you’re ready for the responsibility of another card.

Is it bad to get a second credit card?

That is a common concern, but having more than one credit card can actually help your credit score by making it easier to keep your debt utilization ratio low. FICO cautions that opening accounts that you don’t need just to increase your total available credit can backfire and lower your score.