Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Loan on HDFC Credit Card

    Credit cards serve a number of useful purposes, including the ability to pay for your purchases when you do not have cash with you. With HDFC Bank Loan on credit card products, you can get a pre-approved loan with the credit card. HDFC’s credit card loans are easy to apply and is disbursed quickly. With the SmartEMI scheme, you will be able to convert your expensive spends into affordable instalment schemes. With HDFC’s comprehensive credit card portfolio, all your credit card needs will be taken care of.

    Types of Loan on HDFC Credit Cards:

    Two types of pre-approved loan schemes are offered on credit cards.

    • Insta Loan
    • Insta Loan is a pre-approved loan within the credit limit of your HDFC credit card.

    • Insta Jumbo Loan
    • This is a pre-approved loan scheme which is above the credit limit of HDFC credit card. The loan amount will not be blocked against the credit limit for Insta Jumbo Loan.

    How to check your Eligibility and Apply for HDFC Loan on Credit Cards:

    Only select HDFC Credit Cardholders are eligible for the loan through Insta Loan and Insta Jumbo Loan schemes. You can check the eligibility using any of the following.

    • NetBanking
    • If you are a credit cardholder registered with NetBanking facility, login to your account and select “Transact” option under the credit cards section. You can go to “Insta Loan” or “Insta Jumbo Loan” to check your eligibility.

    • Phone Banking
    • You can also check your availability by contacting HDFC Phone Banking unit anytime round the clock.

    • Call and SMS
    • You can apply for the loan through NetBanking portal or phone. After applying, you will receive a call or SMS briefing about the amount, tenure and interest rate. Alternatively, you can also visit the nearest HDFC branch to apply for loan on credit cards.

    Features and Benefits of HDFC Loan on Credit Cards:

    • The loan amount will be quickly disbursed through credit to the HDFC Bank Savings Account.
    • HDFC Loan on credit cards come with attractive interest rates.
    • With flexible tenures ranging from 12 to 60 months, you can choose a period that you are most comfortable with.
    • Insta Jumbo loan scheme gives you the flexibility to avail a loan without blocking credit limit.
    • HDFC Loan on credit cards are pre-approved, meaning you require no documentation for the loan.

    FAQs HDFC credit card loan:

    1. How do I find out the EMI to be paid every month?
    2. The interest is calculated using reducing balance method based on the tenure, the quantum of loan and interest rate.

    3. Explain Balance Transfer on EMI
    4. You can transfer the outstanding balance on your other credit cards to your HDFC credit card and pay the total outstanding amount in EMI.

    5. What is SmartEMI?
    6. With HDFC’s SmartEMI facility, you can convert your costly purchases into easy monthly instalments with low rate of interest and flexible tenures.

    7. Can I convert my gold and jewellery purchases into EMI?
    8. No, you do not have the option to convert gold and jewellery purchases to EMI. You can convert electronic purchases, lifestyle spends, travel expenses and insurance spends to EMI.

    9. Is there any processing fee for loan on credit cards?
    10. Yes. 1% of the loan amount will be levied as processing fees.

      

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    Loan on HDFC Credit Card Reviews

    • HDFC Bank Credit Card
      "Good to have"
      0.5 5.0/5 "Blown Away!"
      I have some hidden charges on my HDFC credit card. 2 years ago, i have purchased my HDFC credit card. I'm getting a travel ticket offer, shopping offer, movie ticket offer and loan offers too. Still i haven't faced any issue and I'm getting no annual charges.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 16, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      From last 1 year i am using my HDFC card and i get lots of offers like cash back, redeemed points and they offered me some loan as well. I got the limit of Rs. 97000 which they have increased on a regular intervals. I get 5 to 10% cash back on Amazon and flipkart website.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      HDFC is my first credit card and best card and no negative experience with them. There is no hidden charges with my card. I get a jumbo loan and insta loan offers. I got the satisfied credit limit. If i use the lots of the transaction, my annual fee will get waived.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC is a perfect card to use. They are giving more offers to me and the bills are coming on time. The benefits are useful and there is a EMI conversion options are Loan options are available. 4 years ago i bought this card. Transactions are very fast and smooth. Its easy to make the payment. Even i use for Rs. 1 i get a regular notifications for that.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 12, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      They are giving rewards points in HDFC credit card which can be convert into cash. Less interest rates on EMI conversion other than that they will providing some additional loans like jumbo loan and insta loan. 5 years ago, i bought this card. When i do my transaction, they are sending the OTP on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2019
    • HDFC Bank Credit Card
      "Recommendable Credit Card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me the best limit of Rs. 3.5 lakhs, every three months they give insta loan through online within a fraction of second the money get disbursed to the account. I get complimentary offers as well sky bags, fast track, wild crafts etc. I just want to pay the delivery charges alone and the reward points are also beneficial. I am holding jet privilege card they give miles and ticket booking discounts.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 12, 2019
    • HDFC Bank Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      iâ??m very old customer of HDFC and this is a very good and card also very nice. In HDFC, they have so many features like limit and the customer care people are receiving the call properly and giving on time response. Based on the customers they are increasing the limit. I got a lots of loan offer as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 10, 2019
    • HDFC Bank Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      HDFC is a first credit card in my life. Iâ??m getting offers to buy electronic items like mobile and laptop. I used to get very good loan offer from this card. While buying mobiles, i get a cashback offer. No annual fee is required. I bought two mobiles with EMI facility hence i got the cashback on online purchase. Its hassle free card to use
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have selected HDFC Regalia credit card past 2 years ago , Customer service is good and responsive. EMI option is applicable. Its annul charger rs 1 st year RS 500.while spending amount annual 1 lakhs 1st year annual chargers is waived off , based i received jumbo loan. While documents submitted through directly bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2019
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for applying the loan is the service is good also there is a hassle free process. The loan got rejected due to payslip, the expected loan amount was 1L, rate of interest was 14% which is nominal. The documentation process was done through online. The customer support is good and they are responsive.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 09, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 4.5/5 "Excellent!"
      There are more cash backs and discount through online as well the offline usage. The credit limit given with the card was lesser expecting for hike with the card. I am expecting the loan from the card, but it is a payable card. There is a EMI option, recently purchased with mobile phone so i am doing the EMI.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 08, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I have applied HDFC credit card usinf past 8 year ago customer service is good an response .Its is life time credit card.While , documents submitted through executive they given information about credit card so there is no delay receive credit card .sufficent is limit is provide from banker end and all notification message and email communication from banker end.There is no extra chargers , Emi option is applicable based on that provide on jumbo loan.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 06, 2019
    • HDFC Bank Credit Card
      "Very much disappointed with bank"
      0.5 1.0/5 "Really Bad"
      I have applied for HDFC bank personal loan through on line portal for 1,00,000 loan amount, but they closed my application by stating that my company is not listed in their bank website, it has went to defaulter list, they said in my company few peoples has done default for that reason the will not process my application further that excuses was not acceptable, they have very much disappointed me .
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 04, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I have been previously holding HDFC bank credit card , but i closed this due to the credit limit, they have given me very less limit , i have taken this card through on line portal, they have charged me annual fee as well in this card, their service was good, but due to less credit limit i closed this loan.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 04, 2019
    • HDFC Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I got a offer with this bank so i have taken. The documentation process was done through offline, i got the loan amount within 15 days. The loan amount i got 4L and for that the rate of interest was 14.99%. The duration for repaying was 4 years. There was a processing fee of 3500 rupees. The billing is issues.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 04, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In HDFC, they have given me a more credit limit when i compared to other banks. I used to get a offer for insta loan and the rewards points are common for all the credit cards. They have provided me a limit of Rs. 1 lakhs and i use the card for past 3 years. I never had any problems with the transaction related.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2019
    • HDFC Bank Credit Card
      "Response should be improved"
      0.5 1.0/5 "Really Bad"
      I am not aware why my HDFC personal loan application got closed, the response and follow up is lacking. I would say the HDFC interest rate was also not upto the mark but I thought go for the emergency purpose. They need improvement on the documents and responsiveness.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 04, 2019
    • HDFC Bank Credit Card
      "Not happy with ROI"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC credit card. When I buy something, they are providing EMI facility and then they are charging rate of interest plus GST. The interest rate is very high and it was around 20% per annum. I am always asking for Jumbo and Insta Loan which they keep denying it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 02, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am using HDFC Money back credit for last one year. There is no special benefits, only they have given 50days for credit payment. The loan options are available. They are charging annual fee but it will be reversible on my maximum usage. They are charging 1.45% ROI monthly. The credit limit is good. I am looking for balance transfer option.
      Was this review helpful? 1
      , lucknow
      Reviewed on Jul 01, 2019
    • HDFC Bank Credit Card
      "Very Good credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC is a good card to use and iâ??m holding the card for almost 2 years. They have given me a loan offers, cashback offer, discount offer but i never availed it. They have provided me a limit of Rs. 60000 and they have increased upto 20000 after completion of 1 year. I have been using the HDFC credit card banking which is user friendly to use.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 30, 2019
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