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    HDFC Balance Transfer

    Card
    1st Year Fee
    Rewards
    Joining Perks
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    500
    Response Time Within 30 minutes
    500
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    500
    Response Time Within 30 minutes
    500
    Response Time Within 30 minutes
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    HDFC Balance Transfer is Rated as "Excellent!" by 9968 Users

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    HDFC Bank Credit Card Balance Transfer Overview

    Credit card holders can transfer the outstanding balance from their other bank credit cards to a new or existing HDFC Bank credit card and make convenient repayments using monthly instalments. HDFC also offers the flexibility of transferring the outstanding balance from other products like two-wheeler loans, personal loans and car loans to an HDFC credit card. Customers can make these kind of loan transfers easily and convert their higher monthly instalment amounts into comparatively lower amounts through the Balance Transfer on EMI facility. The loan amount that has been transferred will be adjusted against the customer’s credit limit.

    Features of Balance Transfer on EMI

    • HDFC Bank customers have the flexibility of fixing the monthly instalment amount for as low as Rs.27 for every Rs.10, 000.
    • HDFC Bank offers flexible repayment tenure options for balance transfer transactions.
    • The disbursement of the loan will be done via Demand Draft (DD) by HDFC Bank at the earliest. The DD will be taken in favour of the customer’s other bank name inclusive of the other bank loan account number or credit card number.
    • The loan amount availed through Balance Transfer on EMI should be equal or lesser than the existing credit limit on the HDFC credit card.
    • A processing fee of 1% of the loan amount will be levied by HDFC Bank on Balance Transfer on EMI transactions.
    • The minimum monthly repayment amount has to be done by customers as per the HDFC Bank Credit Card statement.
    • HDFC credit card customers cannot partially repay or close the loan taken under this facility.
    • If the credit card holders chooses to pre-close the loan, then a penalty of 3% of the outstanding principal amount will be charged.
    • A service tax of 14% will be levied by HDFC Bank on the interest amount, pre-closure charges and the processing fees.

    Eligibility for Balance Transfer on EMI

    The Balance Transfer on EMI can be availed only by select HDFC Bank credit card customers. To check the eligibility, customers can use the Phone Banking service or register for a call back on their registered phone numbers from the customer care helpdesk and then apply for the balance transfer facility.

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