To increase your HDFC credit card limit, you can follow these methods:

Ways to Increase HDFC Credit Card Limit

• Request Limit Increase via NetBanking or Mobile App:
  Log in to your HDFC NetBanking or Mobile Banking app, go to the Credit Card section, select your card, and find the "Increase Limit" option. If eligible, you can place a request instantly

• Call Customer Care:
  Contact HDFC Bank customer care at 1800 202 6161 or 1860 267 6161. Request a credit limit increase by providing your details. The bank will verify your eligibility and notify you of approval or further steps

• Apply for a Credit Card Upgrade:
  If you have used your card for at least six months and meet eligibility, you can apply for a card upgrade which often comes with a higher credit limit. This can be done via NetBanking, Mobile App, or by submitting a Credit Card Upgrade/Limit Enhancement Form with income proof to the bank

• Provide Updated Financial Information:
  Inform the bank about any recent salary hikes, improved income, or consolidated bank accounts to present a better financial profile, which may help in increasing your limit

• Wait for Annual Automatic Increase:
  HDFC Bank may automatically increase your credit limit annually if you have a good payment history and credit score

Important Tips to Improve Chances

• Maintain a good credit score by paying dues and EMIs on time

• Keep your credit utilization ratio low.
• Use your card responsibly and avoid late payments.
• If your request is declined, you can try again after some months.

Caution on Unofficial Tricks

A Reddit user suggested requesting card closure to trigger a retention call where you can negotiate a limit increase, but this is risky and may lead to card closure without a callback. This method is not officially recommended

Summary

You can increase your HDFC credit card limit by requesting through NetBanking, customer care, or applying for an upgrade, supported by a good credit history and updated income details. The process is free, and the bank may also offer automatic annual increases based on your usage and repayment behavior