HDFC Credit Card Loan: Instant Loan Up to 10 Lakh

HDFC Bank gives credit card customers the choice of getting a loan against their card. A credit against your existing credit limit is provided by using a credit card facility. There are several types of HDFC credit card loans, and you can discover about them and the advantages of each by reading this article.

The interest rates on this loan are quite low, and the repayment terms are flexible.

HDFC Credit Card Loan Quick Recap

Interest rateDepends on Bank
Types of Loan* Insta Loan
* Insta Jumbo Loan
* Smart EMI
* Balance Transfer on EMI
Loan Amount500 to 10 lakh
Loan TenureUp to 60 months
Processing Fees1% of Loan Amount
Eligible ForPre-approved Credit Card Holder
Also Read: Instant loan up to 5 lakh without documents

What is HDFC Credit Card Loan?

Using a credit card for a loan means you have already been pre-approved based on your credit card use, repayment history, and other factors.

Types of HDFC Credit Card Loan

HDFC bank offering 4 different types of loans on Credit Card.

Insta Loan

EligibilityOnly cardholders with prior approval are eligible to apply.
Documents RequiredNIL
Loan AmountRs.10,000 to Rs.5 lakh
Loan Tenure12 months to 48 months
Interest RateDepends on Bank
Processing FeesUp to Rs.700
Loan Disbursal Time5 to 7 day

Insta Jumbo Loan

EligibilityPre-approved cardholders can apply.
Documents RequiredNIL
Loan AmountRs.30,000 to Rs.10 lakh
Loan Tenure12 months to 60 months
Interest RateDepends on Bank
Processing FeeUp to Rs.999
Loan Disbursal Time5 to 7 day

HDFC Smart EMI

EligibilityPre-approved cardholders can apply.
Documents RequiredNIL
Loan AmountRs.500 to Rs.5 lakh
Loan Tenure9 months to 36 months
Interest RateDepends on Bank
Processing Fee1% of the loan amount
Loan Disbursal Time5 to 7 day

Balance Transfer on EMI

EligibilityPre-approved cardholders can apply.
Documents RequiredNIL
Loan AmountUp to Rs.5 lakh
Loan Tenure9 months to 48 months
Interest RateDepends on Bank
Processing Fee1% of the loan amount
Loan Disbursal Time5 to 7 day
Also Read: Truecaller instant loan

Benefits of HDFC Bank Credit Card Loan

HDFC banks come with different types of benefits on Credit Card loans:

  • The immediate loan amount will be deducted from your available credit limit.
  • The amount of the loan has already been pre-approved.
  • Your loan application will not necessitate any supporting paperwork.
  • The interest rate offered by the bank on the loan is rather appealing.
  • The length of employment ranges from one year to four years.
  • Your savings account will be immediately credited with the loan amount.

HDFC Bank Credit Card Loan Eligibility Criteria

  • HDFC Credit Card holder will eligible
  • Good Credit History required
Also Read: Paytm Credit Card patner with HDFC bank

How to Apply for HDFC Credit Card Loan

It’s simple to apply for an HDFC credit card loan. To begin, you’ll need to enter your credit card information.

Insta Loan Apply

  • NetBanking: Login to HDFC Bank NetBanking & Click Cards – Go to Credit Cards > Transact > Insta Loan
  • Phonebanking: Dial 011 61606161 for phone banking assistance.

Insta Jumbo Loan Apply

  • NetBanking: Login to HDFC Bank NetBanking & Click Cards – Go to Credit Cards > Transact > Insta Jumbo Loan
  • Phonebanking: Dial 011 61606161 for phone banking assistance.

Smart EMI Apply

  • NetBanking: Login to HDFC Bank NetBanking & Click Cards Section– Go to Credit Cards > Transact > Smart EMI
  • Phonebanking: Dial 011 61606161 for phone banking assistance.

Balance Transfer on EMI Apply

  • NetBanking: Login to NetBanking & Click Cards > Credit Cards > Transact > Balance Transfer On EMI
  • Phone Banking: Dial 011 61606161 for phone banking assistance.

FAQs of HDFC Credit Card Loan

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