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  • HDFC Balance Transfer is Rated as "Excellent!" by 15900 Users

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    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
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI bank 3 months back. The credit limit was 80,000 which is satisfactory and I hold cashback card . The fees and charges nominal . The customer service and responses was good.My overall experience was really good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Credit card with HDFC"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC bank. I am satisfied with the limit .They give pay back points on purchases and we can redeem those points to buy any products.I find mobile banking is comfortable . The customer service and response is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have my credit card with HDFC Bank and the credit limit was 1 lakh which is satisfactory . The customer service and responses was good. I am holding diner's rewards card and I am getting reward points as benefits . Its a life time free card so I would like to recommend to others.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with HDFC bank 1.5 years back. The credit limit was 1 lakh which is satisfactory .I hold money back card and I am getting reward points as benefits . I am happy with their net banking.My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "good experience"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank HDFC BANK and am using since last year. I am totally satisfied by their credit limit. The customer service is good and well responsive. I didn't faced any online failed transactions while am using the card in online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      I have a HDFC credit card from last 2 years, i am happy with the credit limit in this credit card and this is a lifetime free credit card. Offers like reward points are good in this card and net banking is easy to make bill payments. I did not find any hidden charges on any transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "good experience"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank HDFC BANK. I am totally satisfied by their credit limit and it is very easy to redeem my rewards points. The customer service is good and well responsive. They have a best rewards points programme which i can accumulate to purchase products.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card from more than 10 years, i get offers like reward points and cash back on this credit card. Net banking is easy for me to make bill payments. This is a lifetime free credit card with sufficient credit limit in this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank HDFC BANK. When i tried to contact the customer care i faced a long hold. I can say the application process is very simple and they easy they can easily approved my credit card application.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "good experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank HDFC BANK. I am satisfied by their credit limit which is Rs. 75,000/-. I can say the application process is very simple and they easy they can easily approved my credit card application. I didn't faced any un necessary verification's and audits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      I have a credit card with HDFC bank from last 4 years, i get 5% cash back offers on Amazon and Flipkart. I make my bill payments by cheque. I am happy with the credit limit in this credit card and they did not charge any annual fee at the time of getting this card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good card with reward points"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC and i used to get good reward points. I have not redeemed the points as i have donated those reward points to charity. There is no annual charge with the card. Easy EMI conversion is possible. But till now i have not converted any amount to EMI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I recently got the HDFC BANK DINERS REWARDZ CREDIT CARD around 20 days of time. The credit process took around 20 days time to deliver the credit card. The customer support service and the response was good and their executives came to my place to collect the documents.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      HDFC Bank is good overall in the customer services. The response is good. It is credit card and the banking process is good. There are good offers on the card. The bank has to improve on the credit limit. Else the statements are on time and clear.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Best credit card"
      0.5 5.0/5 "Blown Away!"
      hdfc bank I have the Money back credit card used for all kind of shopping recharge and the limit is sufficient and happy to use but the expectation little high the amount which they gave is 1,00,000 this is best credit card to use all types of purchases and transactions.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have my credit card approved with HDFC Diners club card and the experience was good, the credit limit is fine in this credit card and there is no annual fee charged for this credit card. The only drawback i found is, this card is not accepted in all the places. Customer service was good and they responded on time. I use this card for multipurpose and i did not find any offers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a HDFC Regalia credit card from last 1 year, i am happy with the credit limit in this credit card and this is a lifetime free credit card. I get very good offers like reward points on all transactions. The credit card services are pretty good when compared to other credit cards.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 18, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a HDFC credit card. I am satisfied with the limit. I have received reward points and cash back with the card. The customer service with HDFC is approachable. I am comfortable in using payzapp. Easy EMI option is there. There is no annual charge.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 17, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with HDFC bank and the experience was good, i did not find any offers in this card so far and i use this card for multipurpose. This is a lifetime free credit card with sufficient credit limit and i received my credit card within 10 days after the application was approved. Customer service was good and they collected documents on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am happy with the credit limit value of HDFC credit card, i am using this credit card from last 3 years and there is no annual fee charged for this credit card. Offers like reward points are good in this credit card and net banking is easy for me to make bill payments.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 17, 2018
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