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HDFC Credit Card: To get an HDFC credit card, you will need to share your identity card, passport, aadhaar card and some other documents including visiting a bank’s office to make it. You will be addressed which credit cards are available and how you can apply for them.
In how many days do I get HDFC credit card?
The time taken to receive the HDFC credit card depends on certain factors such as the status of the application, the status of relevant documents and the facilities available in the area of the bank’s establishment. Normally, you can get the credit card within 15 to 20 days if your documents are correct and application form status is fine.
What should be the salary for HDFC credit card?
HDFC Bank, especially for credit card application, requires a minimum salary for an applicant for credit card approval. The minimum salary criteria differ for different types of credit cards, for example, HDFC Regalia First Card may require you to have a minimum salary of ₹30,000 per month, while HDFC MoneyBack Credit Card requires only ₹15,000 per month may be required. It is better to check with HDFC Bank or check on their official website for the minimum balance required for the card of your interest.
It is worth noting that the minimum salary requirement is not the only criterion for credit card approval and the bank may look at credit score, past credit history and your profession along with other factors.
What are the documents required for HDFC Credit Card?
The following documents are required for a credit card in HDFC Bank:Application Form: Application form filled for the credit card.
Identity proof: Any one certificate like Aadhaar card, magazine, driver license.
Aayatra Patra: Some letter for your previous complaint like Patrika, Aadhaar Card.
Work related documents: Certificates related to your work, such as a certificate from the journal.
Income: any letter, cash statement, local letter as the requirement of the certificate.
Address proof: document such as ration card, voter ID card, utility bills, passport, etc.
Please note that the above list is not exhaustive and the bank may ask for additional documents based on your specific situation. It’s always better to check with HDFC Bank or check their official website.
Which is the best HDFC Bank credit card?
It depends on the financial status of the individual and their usage pattern. HDFC Bank offers a range of credit cards, each designed to meet the different needs and spending habits of its customers. Here are some popular credit cards offered by HDFC Bank that you can consider
HDFC regalia first: This card offers exclusive privileges and benefits such as lounge access, golf course access and dining offers. This is a premium card and is good for people who travel frequently and eat out.HDFC Diners Club Black: This is a premium card and comes with exclusive offers, benefits and rewards like lounge access, discounts and more.
HDFC Moneyback Credit Card: This is a good option for those looking for cashback rewards on their daily spends.
HDFC Millennia Credit Card: This card is specially targeted towards young professionals and students. It offers a wide range of benefits like cashback, discounts, reward points and much more.
Ultimately, the best credit card for you will depend on your spending habits, credit history and financial goals. It is recommended that you compare the various options available, read the terms and conditions, and choose the card that best suits your needs.
How is the credit card limit made?Self-imposed limit: You should set a limit for yourself on your credit card based on your personal budget and financial position. This can help you avoid overspending and maintain good credit habits.
Bank-imposed limit: Banks set your credit limit based on your creditworthiness, which is determined by factors such as your credit score, income and credit history. They may offer you a higher or lower limit than your self-imposed limit.
Credit Utilization: Your credit utilization, which is the amount of credit you’ve used relative to your credit limit, also affects your credit limit. Low credit utilization can lead to higher credit limits over time.
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Home insurance or property insurance secures the structure along with its content against unwanted events like fire, theft, natural calamities (storm, cyclone, etc.) or man-made activities (riots and terrorism). With the arrival of auspicious occasions, it is advisable for you to invest in a home insurance policy, as securing your assets is one of the best things to do during this festive time. An unfortunate incident can cause irreversible damage, leading to vulnerable financial losses; hence, it is wise to buy property insurance.
The Insurance Regulatory and Development Authority of India (IRDAI) has made it mandatory for every insurer to offer a standard home insurance policy known as Bharat Griha Raksha from April 1, 2021. Bharat Griha Raksha provides coverage against loss, damage, or destruction of the home building and its contents due to unforeseen circumstances.
Our nation is prone to natural calamities and constant fire incidences, which lead to irreversible damages. For example, in 2021, cyclone yaas in Odisha and a major fire incident in Kullu, Himachal Pradesh in December 2021, gutted 15 houses and led to severe destruction of property. Hence, to avoid getting your years of income drained out in a fraction of seconds from these kinds of incidences, it is advisable to buy an HDFC ERGO home insurance policy having the below key features:
Covers Home Structure: Upto ₹ 10 crore
Covers Belongings: Upto ₹ 25 lakhs
Discounts: Upto 45%* Off
Additional Coverage: For 15 Types of Belongings and Perils
Add-on Covers: 5
Why there is a Need for Home Insurance in India?
While home insurance is not mandatory in India, you may think of getting a home insurance plan depending upon the risk factors in India. For example, many regions are prone to natural calamities like floods, earthquakes and cyclones; do not forget those fire incidents and thefts/burglaries that happen here most of the times. Hence, buy a home insurance plan to get coverage under following circumstances:
Make sure your gadgets are protected every time you travel.
It’s a digital world, and life is hard to imagine without devices that help us connect, communicate, and capture. At the same time, travel is unavoidable in the modern world, be it for business, leisure, or work. This is why you need to secure your valuable electronics such as laptops, cameras, musical equipment, etc., with HDFC ERGO’s portable electronic equipment cover. This cover ensures that you can enjoy your travel without having to worry about your valuable electronics getting damaged or lost in travel.
Suppose you damage or lose your laptop while travelling. This add-on policy covers the cost of repair/replacement of your laptop subject to the maximum sum assured. The damage, however, should not be intentional, and the device should not be more than 10 years old. Policy excesses and deductions apply in this case, as they do in others.
Make sure your gadgets are protected every time you travel.
It’s a digital world, and life is hard to imagine without devices that help us connect, communicate, and capture. At the same time, travel is unavoidable in the modern world, be it for business, leisure, or work. This is why you need to secure your valuable electronics such as laptops, cameras, musical equipment, etc., with HDFC ERGO’s portable electronic equipment cover. This cover ensures that you can enjoy your travel without having to worry about your valuable electronics getting damaged or lost in travel.
Suppose you damage or lose your laptop while travelling. This add-on policy covers the cost of repair/replacement of your laptop subject to the maximum sum assured. The damage, however, should not be intentional, and the device should not be more than 10 years old. Policy excesses and deductions apply in this case, as they do in others.
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