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

    • HDFC Bank Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I have credit card with HDFC bank. Which is free for a year, after a year the annual fee is around 500 rupees. I did not receive cash back offers but I used to get reward points from the bank. Credit limit is quite ok for my requirement. I am happy with HDFC bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Recommendable Bank"
      0.5 4.0/5 "Great!"
      As per my experience with HDFC bank for credit card, HDFC is a recommendable bank for those who are seeking for credit card. I got good credit limit from the bank with other benefits like reward points and cash back offers. I faced no issues from HDFC bank till date.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "High in charges"
      0.5 2.0/5 "Expected more"
      I am using HDFC credit card but planning to close the card. Actually the bank offered life time free card for the usage but when I missed the due date once, I was delay for one day for that they charged me around 400 rupees which is too high. Hence I am not interested in using HDFC card, I will close it soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the HDFC bank because they regularly update the credit limit and they used to give the points and they are understanding the customer. I am with them from the last five years of time. Response is very good one with the HDFC bank credit card.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am maintaining a Hdfc Platinum times credit card for past 3 years, I have 5000 reward points on this card, but I haven't used it . Equated monthly installments are convertible very easily with Hdfc card. I am happy with the credit limit. Overall very good service on my Platinum Times Card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good in offers"
      0.5 4.5/5 "Excellent!"
      HDFC Bank has been good in the credit card services as well. The bank has excellent deals and the credit limit is also good and to my satisfaction. The card is accepted at all outlets and there are flexible options of EMI online at Ecommerce portals.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got credit card from HDFC bank with the limit of one lakh and twenty five thousand rupees. There is no annual fee for the card. Though I am not getting cash back offers but I am getting loan against my credit card with the lowest interest rate.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I availed credit card from HDFC bank which is a life time free card. I am getting more benefits from the bank more often. Their services are quite good and there was no problem with the bank for credit card usage. Their way of customer approach is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Satisfied with the offers"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is the best for credit cards because they have a variety of options on it. The customer support is also good and there are no hassles in using the card online for purchases. The transactions goes through smoothly and I also get intimated instantly.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Quick in process"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank and I received a proper response as I am a long time customer. The team was cooperative on giving me details and also processing the same quickly. The bank was a bit high on the interest rate and processing charges.
      Was this review helpful? 0
      , satna
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      HDFC bank is good in providing the credit card services. The credit limit and interest rate are very convenient for me. But then, it is not as good as Citi bank. The bank is regularly providing reward points and cash back offers based on my usage. The services are good with HDFC.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      Hdfc has sent me mail saying that my Credit card application got pre approved and pre-qualified, after that, Hdfc executive gave a call and they told because of my personal due, it haven't approved, that was the reason I haven't got the card with HDFC bank. The rate of interest is nominal with HDFC card. They have explained me about the product very clearly.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Fair"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC bank credit card from more than two years of time. Customer service is very good one with them and the credit limit value is around 30000 Rupees and am not really happy with them, also I don't want to increase it because the rate of interest was huge, also calculation of minimum due was not really good.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      The Titanium times credit card caries the different kind of benefits like reward points, cash back plans, the gift vouchers and the fuel surcharge waiver. I am happy with the credit limit. The rate of interest is nominal with this credit card. Overall happy using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having credit card with the HDFC bank and the credit limit value is fine one for me , also they have provided 3 lakh Rupees as limit. Customer service was not much delightful and I would like to say its an average one. Annual charges are nil with the HDFC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Lot of things to improve"
      0.5 1.0/5 "Really Bad"
      I hold a HDFC bank credit card and it is the all miles credit card like it gives much benefit for traveling sort of things. From the last one year of time, I am using this credit card. Customer service is not really good one because their number is always engaged, else it would be busy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      The offers which are availiable on my HDFC credit card is good and it is a life time free card. The card is accepted at all portals and the offline stores as well. HDFC bank had given me a decent credit limit and my transactions has always gone through with ease. The billing cycle is quite satisfactory too.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Better Response"
      0.5 4.0/5 "Great!"
      HDFC bank offered a life time free card for me. The credit limit is quite good and it is satisfactory as per my usage. I am happy with HDFC bank services for my credit card. I do receive reward points and cash back offers regularly and I had no issues with the bank for my credit card.
      Was this review helpful? 0
      , chittoor
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Satisfactory Service"
      0.5 5.0/5 "Blown Away!"
      I got a very good service from HDFC bank for my credit card. Actually I got personal loan from the same bank. Now I am happy that I have money in my bank account and card is in my pocket. HDFC bank is very good in providing standard service to the people.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I would like to say HDFC bank credit card is the best one because they are providing various offers at all the time. Customer service is also a good one. Response is also good and am using it from the last two years of time.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 22, 2017
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    Loan on HDFC Credit Card is Rated as "Excellent!" by 10942 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

    Perfect Home Loan Deals for you

    Perfect Credit Card Deals for you

    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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