Private sector lender HDFC Bank is now busy distributing credit cards to even those customers who are not a part of the client base of the bank. This is seen as a shift from the bank's original idea of distributing cards only to clients.

Presently it is seen that amongst the total card holders of the bank, 25% account for non account holders.

Pralay Mondal, country head, retail assets and credit cards says, "As we go to super-premium clients, we would look more for external customers. We have already made a shift. While the ratio earlier stood at 90:10, about 25 per cent of our business (in credit cards) now comes from our external clients."

The bank accounts for approximately 30% of the total card business in the country.

"We are issuing close to 85,000 to 90,000 cards a month, and with some new launches, we expect the monthly issuance to cross 100,000 cards soon," Mondal said.

The bank has also seen a surge in demand for retail products. It is disbursing Rs 5000 crore as loans every month, which is said to be highest in the industry.

"We have disbursed loans worth Rs 15,000 crore over the last three months. Each and every product in our retail segment is profit-making. If the total advances in the banking sector grows 17 per cent, retails loans for the industry would grow by around 15 per cent in the current financial year. For HDFC Bank, the growth (in retail loans) would be significantly higher than that," said Mondal.