[Advice Needed] 50K Salary, Best Way to Apply for HDFC Credit Card – No Prior Relationship

[misterinusual]

Hey everyone,
Looking for some advice on the best way to apply for an HDFC credit card. Here's my profile:

• Monthly Salary: ₹50,000
• Current Job: Just joined this month (first job)
• First Salary Slip: Will receive it next week
• Current Residence: PG in Bangalore
• Existing Cards:
• Amazon Pay ICICI with ₹1.2L limit
• 3 Axis Bank cards (₹15K limit, planning limit increase after 2 salary slips)

I tried applying online for HDFC and it asked me to upload income proof—either a salary slip or an existing credit card statement. I do have the Amazon Pay ICICI card with a good limit but no salary slip just yet.

My Questions:​

1. What’s the best method to apply?
   Should I wait for my salary slip and apply online, or visit a branch and try C2C (card-to-card) application with my Amazon Pay ICICI?
2. If I apply online, should I upload my ICICI card statement for C2C or wait and upload salary slip?
3. Is living in a PG a problem for approval?
4. Which card to go for first: I see the Swiggy LTF option in the app, but I’m more interested in a core card like Millennia or DCP, especially since I’m planning to buy a laptop soon and want to use HDFC offers.
5. What are my chances of approval given:
   • CIBIL: 781
   • Experian: 800
   • Good limit on ICICI
   • New job (but income is decent for starter card)

Appreciate any suggestions, especially if someone has recently been in a similar situation. Would love to get an HDFC card soon for upcoming purchases.

Thanks in advance!

 

[AkashnAkashn is verified member.]

If net monthly income is more than 35k then you are eligible for Millennia. Go to branch and apply offline with Salary Slip. Lots of people faced problems with ICICI card as c2c so better avoid that.

 

[prankster]

try C2C (card-to-card) application with my Amazon Pay ICICI?

Don't do this, HDFC is known to reject C2C based on Apay CC (or any ICICI CC for that matter).
Wait for salary slips and go for Millenia or if you prefer a travel based card for lounge access, consider DCP.
Good luck!