Can i get hdfc millennia rupay without income proof or with a itr of 6,50,000 per annum?

[ayushjhaonline]

Hello
Dear

Currently I'm holding 4 credit cards 3 from Axis and 1 from Sbi all cards are unsecured with a average limit of 1,29,000 each oldest one is sbi which is 1.5 years old.

I'm using my hdfc regular savings account as my primary account with 2 lakhs in FD and an average balance of 10k-20k per month. Account was open in January 2025.

I have already use hdfc secured cards for 2 months then closed those cards a quarter ago.

I'm 20 years old and going to turn 21 this month. I also have an itr for Current year of 6,50,000.

Now,
My question is can i get hdfc millennia rupay with or without income proof..
if yes then how ?

 

[santanu47493]

It depends on bank but yes there is higher chance you may get

 

[GURUWALKE]

Probably u will get

 

[raj164]

Hey i looking to make an fd of 8L in hdfc am 19 with 775 cibil and 1.5yr credit history and keep 30k-40k in my digisave youth account. Being 20 how and when did you start your credit journey from which bank as am looking to get my 1st unsecured card and can make FD of 8L on that bank as a leverage.

 

[ayushjhaonline]

Hey i looking to make an fd of 8L in hdfc am 19 with 775 cibil and 1.5yr credit history and keep 30k-40k in my digisave youth account. Being 20 how and when did you start your credit journey from which bank as am looking to get my 1st unsecured card and can make FD of 8L on that bank as a leverage.

Start my credit journey at the age of 18... my first card was of onecard with a fd of 2k and second was from idfc with a fd of 2k both were secured with fd..... then after 4 month i got my first unsecured loan which was from Amazon paylater, also a credit limit of 2k but it was a unsecured one....please maintain a good credit history for 6-12 month.

After that you can start applying for entry level credit cards from axis bank... your might get rejected... don't worry apply after 3 months you will surely get your first unsecured card from axis bank... you can show a average income of 6-8lpa no income proof is required.

 

[ayushjhaonline]

Hey i looking to make an fd of 8L in hdfc am 19 with 775 cibil and 1.5yr credit history and keep 30k-40k in my digisave youth account. Being 20 how and when did you start your credit journey from which bank as am looking to get my 1st unsecured card and can make FD of 8L on that bank as a leverage.

Please don't issue fd cards from hdfc... hdfc will make it difficult for your to get and unsecured card if you already have an existing fd card with them... convert your youth account to 10 MAB account... because youth doesn't get any offer for pre approved card or loan.... you can have a fd with hdfc... it will show a got asset value to them..