Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    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.

    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.

    Loan on HDFC Credit Card Reviews

    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using HDFC credit card recently, they have charged me annual fee in this card, but there is waived off option available in this card ,like if i spend 90,000 in an calender year,then my annual fee will get waived off, and i am happy with the credit limit they have given me in this card, and they are giving good on line shopping offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 21, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time,they have charged me annual fee in this card, but there is waived off option available in this card, as i spend certain amount then my annual fee will get waived off , and i am happy with the credit limit they have given me in this card, and even there offers are good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 21, 2019
    • HDFC Bank Credit Card
      "Bad experience"
      0.5 2.0/5 "Expected more"
      I have been applied for HDFC credit card recently, i am not happy with there service , like i have applied for regalia first card and they have given me club miles card ,i asked the customer care to change it they are not responding me and not resolving my issue , i am going to cancel this card now,i am not satisfied with there overall service, i had bad experience with this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 21, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been a year since i am using this credit card and the services which they had been providing so far has been quite good. But the credit limit with this card has been very less, there has been some offers which came with the card. I am using this card for shopping, fuel, and for all purchases. There has been some annual charges with this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 21, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I have been using HDFC credit card recently,they have not charged me annual fee in this card, as it is life time free credit card, and i am happy with the credit limit they have given me in this card, and they reason for choosing this card is that they use to give good offers in shopping, like on line in flip kart or amazon they give good offers, but they should do mail that this offers is available currently,so that i can avail it on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Using Hdfc bank credit card for last 9-10 years Customer service and response is good . As there is no annual charges for this credit card as its life time free card . There is no additional charges for the transaction which i make.Overall am happy with my card .
      Was this review helpful? 0
      , jaipur
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Bad experience"
      0.5 2.0/5 "Expected more"
      I have been using HDFC credit card long time, i am not happy with there service ,like they have given me poor service,i ask to convert Emi option which i have purchase they have not still converted into Emi option , and they have charged me annual fee in this card,but i will spend up to 50,000 they my annual fee will get waived off, and even there credit limit is less, there is no offers available in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Hdfc bank giving good service for credit card .Am getting good cash back offers in this card . Using its for last 2 months and am very much satisfied with their customer service . There is no annual charges for the card . Am satisfied with the credit limit which is pretty much good as its diners card i got restaurant offers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time, they have charged me annual fee or not i have no much idea, actually i have my salary account with this bank, there credit limit which they have given me was sufficient, i am happy with my credit card, and there offers are good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Work in progress about the interest rate"
      0.5 4.0/5 "Great!"
      When i go for the EMI options, the interest rates are pretty high based the tenure period. I have done a credit limit enhancement twice. When i do shopping on retail outlet, i used to get a cashback offers. On the online shopping, i will get a instant discount.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time, i am happy with there service they have given me in this card,they have given me excellent service,and they have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit they have given me in this card.
      Was this review helpful? 0
      , nasik
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card was good and i got the card on the right time. The credit limit with this card was less than expected, where it was around 90,000 and they had explained the benefits and the features with the card. There is some annual charges with this card from the year and i am yet to use this card.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "No.1 Credit card service"
      0.5 4.0/5 "Great!"
      I have been using the HDFC credit card for nearly 8 years. I have not tried any offers so far even though they are updating the offers through mails, website and SMS. They have given me a good credit limit of Rs.1.40 lakhs but they have given me a option for credit limit enhancement but i have not accepted the same.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The service is good with HDFC BANK credit card , the process is very smooth while getting the card . They offered good credit limit at that time they gave me limit according to my salary . I started suing this card from 2013 , i am very old customer of this card . I use this card for multipurpose .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card for long time,they have not charged me annual fee as it is life time free credit card,they have given me good credit limit in this card, they have given me good offers in everything thing like in shopping, fuels or in movie tickets they are giving offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC bank credit card and its a very useful card. They offered me 300000 of credit limit and i am really happy with that . They gave me EMI option also with this card . I am very old customer of this card and i use to get instant discount of 10% .
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has almost been ten months since i am using this credit card and the services which they had provided has been good. The credit limit with this card has been good and there has also been some good benefits with this card as well. There has also been some annual charges with this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last one month and the services which they had provided has been good. They had given me with a good credit limit and there has also been some good benefits with this card. It has been a life time free card, there has also been some good benefits which comes with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last couple of months and i am happy with the services which they had provided me. The credit limit with this card has been good and there has also been some good benefits in holding this card, i am using this card for shopping and all other purchases. There is some annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      I have been holding HDFC Regalia credit card for long time, they have given me very good credit limit compare to other bank credit card which i have, they have given me up to 2,50,000 as an limit,it is sufficient for me, and i am happy with there service as well, they provide better offers like good cash back, and low cost Emi.wherever i use to do transaction from this card only. i can been reliable in this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2019
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