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  • HDFC Balance Transfer is Rated as "Excellent!" by 15066 Users
    Credit Card BYTES FROM OUR KITCHEN

    HDFC Balance Transfer

    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.

    Cancellation of HDFC Credit Card Balance Transfer On EMI

    Once your loan is approved, you can cancel your HDFC balance transfer facility only within 3 working days from the loan booking date. After three days you cannot cancel the facility but can pre-close it.

    HDFC Credit Card Balance Transfer On EMI Foreclosure

    Pre-closing your HDFC balance transfer facility is allowed only after completing six months of loan tenure. In case, you have opted for tenure less than 12 months, you will not be allowed for pre-closing your facility.

    A foreclosure fee of 3% of the remaining principal outstanding balance will be charged for pre-closing loans before the tenure. 

    Process to Check Credit Card Balance for:

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    Credit Card Reviews

    • HDFC Bank Credit Card
      "Nice experience"
      0.5 4.5/5 "Excellent!"
      I bank with HDFC Bank for the credit card and the banking process is good. There are good offers on the card has a good credit limit too. The customer services are good and they are responsive. The transactions are also smooth. The statements are always on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with HDFC Bank. I hold a credit card and the card was chargeable. But the offers and credit limit is good. The customer services and response is also good and there are no hassles to bank with them. The statements are also clear.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a regalia first credit card with HDFC Bank. The process was easy and on time as well. I have not used the credit card yet to know more about the offers. There are the regular deals. The credit limit is good and it is a life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The credit limit value is better with the HDFC bank platinum times credit card. The customer support service is good with the HDFC bank. The credit limit value is good with this card and I am satisfied with it. The benefits and the offers are better with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with HDFC Bank for a diners rewards credit card. It is a nice process and I got the card within seven days and all the communication was up to the mark. There are charges of 500 for the card. The credit limit is good. I would get rewards if I used the card for hotel bookings.
      Was this review helpful? 0
      , lucknow
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The experience overall is good at HDFC Bank. It is a credit card I bank for and there are offers on the card. The credit limit is good and there are no hassles while using the card as well. There are cash back deals and other features as well. The rewards are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the HDFC bank credit card and am using it from the last September onward. I would like to say that the customer service is good one ad the response is fine one too. I am really happy with the HDFC bank credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good offers"
      0.5 5.0/5 "Blown Away!"
      I hold a titanium credit card with HDFC Bank. The credit limit is good. The customer services and offers are satisfactory as well. There are cash back deals. There is also a no cost EMI so when ever I use my card and spend there is no interest taken.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good Pocket Money Card"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card interest rate is very high they wont give any offers on low cost EMI, very few less offers are there. But there is no annual fee on the credit card, HDFC provides good cash back and reward points for all the credit card transactions.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with HDFC bank from last 6 months, i find this credit card very convenient to use. I paid an annual fee of Rs 499 for this credit card. I get offers like 10% cash back on Amazon and Flipkart, i also get movie tickets every month in this credit card. I use net banking for making payments and i have a credit limit of Rs 58000 in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a Diners rewardz credit card and it is a awesome process. There were no hassles and the credit limit is good. The best I liked is the offer where there will be a auto debit of Rs. 100 for three months for my Airtel number. After which the card would be as a life time free card. The annual fee is waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good for Cash Back on Apple I phone"
      0.5 4.0/5 "Great!"
      Its a good card to hold, recently they got tie up with Apple I phone. Therefore I went to the showroom and purchase I pad phone total cost was around Rs. 28,000 I got the cash back of Rs.10,000. I converted the amount into an EMI for 9 months with 0% interest rate and there is no processing fee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I bank with HDFC Bank for the Diners Rewardz credit card. It was a good process and the customer services are good. I received the card on time. It took seven working days. The credit limit is good and it is a life time free card. I do not see much of rewards in it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back credit card is good to use. The customer support service is good with the HDFC bank. The credit limit value was low in the initial stage but they have increased the limit after the usage, but still it would be good if they can revise the increased credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have been using this Card for the past 3 years. They have offered me a limit of Rs.40000 which I feel is quite less. The reward points have been accumulating until now but haven't used it much. The overall experience with it has been pretty good.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I had one credit card with HDFC bank but closed it now because I applied for a times titanium credit card but I received only JetPrivilege credit card which I felt that there is no usage with that credit card so closed it just after having it for 2 months. The annual fees for this card is also zero.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Convenient card"
      0.5 4.0/5 "Great!"
      My credit card was taken from HDFC. I have taken a Money Back credit card and using it for almost one year. I have interacted with the customer service and it was a good experience. Sometimes it takes 5mins to connect with the representative. It is a life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold the HDFC BANK REGALIA CREDIT CARD for the past 1 year. The airport lounges and the fuel purchases are very easy with this HDFC BANK REGALIA CREDIT CARD. The customer support service is good with the HDFC bank. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have got the HDFC BANK DINERS REWARDZ CREDIT CARD within 5 days of time. The customer support service is good with the HDFC bank , and the bank executives came to my place to collect the documents on time. The credit limit value is low with this HDFC BANK DINERS REWARDZ CREDIT CARD and I am not satisfied with it.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 22, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from last 13-14 years, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I get offers like 10% cash back on Amazon and Flipkart. I use net banking for making payments and the credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
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