HDFC Bank has continued to roll out automatic credit limit enhancement offers into 2022, following similar campaigns in 2020 and 2021. These offers appear intermittently for eligible cardholders and vary in magnitude depending on individual profiles and recent credit limit activity.
If you are unfamiliar with HDFC’s limit enhancement process, you can check your eligibility quickly via NetBanking during daytime hours:
Login to NetBanking > Cards > Request > Limit Enhancement
This article summarizes the Auto Limit Enhancement (Auto LE) offers that HDFC rolled out on their credit cards in 2022.
January 2022
A significant Auto Credit Limit Enhancement campaign was launched in the first week of January 2022. The increase offered varied across cardholders, with many reporting lifts in the range of 30–50%.
- Percentage increases differed from person to person; most reported around a 30–50% increase.
Not everyone received the offer. Cardholders who already had high limits or had recently received a revision (within the past six months) were less likely to be included. Typically, those who missed an enhancement in 2021 or who had an earlier enhancement in early 2021 were more likely to receive the January 2022 offer.
Bottomline
HDFC’s continuation of automatic credit limit increases for a third consecutive year shows a broad willingness to expand sanctioned credit for many cardholders. As a result, a growing number of customers now hold HDFC credit cards with limits above INR 500,000.
Did you receive a limit enhancement offer on your HDFC credit card in 2022? If so, what percentage increase did you get? Feel free to share your experience in the comments below.