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HDFC Credit Card Loan Highlights 2024 |
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| Interest rates | Starting from 1.25% per month |
| Loan amount |
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| Repayment tenure | 1 to 5 years |
| Processing Fees | Up to Rs 999 excluding GST |
Note: Interest rates updated as of 21 November 2024
Apply for HDFC Bank Personal Loan at Attractive Interest Rates Click Here
Table of Contents
HDFC Credit Card Loan Interest Rates
HDFC Credit Card Loan interest rates start from 1.25% per month. As the credit card loan interest rates are usually higher than the personal loan interest rates charged by the same lender for the same credit profile, HDFC credit card holders should also check the HDFC Personal Loan Interest Rates before applying for HDFC Bank credit card loan.
HDFC credit card holders should also check the personal loan interest charged by other lenders. Here are the personal loan interest rates charged by top lenders:
| Banks/NBFCs | Interest Rates(p.a.) |
| Axis Bank | 10.49% onwards |
| IndusInd Bank | 10.49% onwards |
| IDFC First Bank | 10.99% onwards |
| HDFC Bank | 10.85% onwards |
| ICICI Bank | 10.85% onwards |
| Kotak Mahindra Bank | 10.99% onwards |
| Tata Capital | 11.99% onwards |
| Federal Bank | 11.49% onwards |
| DMI Finance | Up to 24% |
| L&T Finance | 11.00% onwards |
| Kreditbee | 16.00% - 29.95% |
| MoneyTap | 13.00% onwards |
| Piramal Finance | 12.90% onwards |
| Aditya Birla | 10.99% onwards |
| Moneyview | 14%-36% |
| Cashe | 33.50% onwards |
Apply for HDFC Bank Personal Loan at Low Interest Rates Click Here
Fees and Charges for Availing HDFC Loan on Credit Card
The processing fees and other charges for availing HDFC Instant Loan on Credit Card are mentioned below:
| Particulars | Rates |
| Processing fees | Up to Rs 999 excluding GST |
| Preclosure charges | 3% of principal outstanding plus GST |
How to apply for HDFC Credit Card Loan
HDFC Bank credit card customers can apply for the bank’s loan on credit card facility using the following methods:
Net Banking
Existing Customers can login to their HDFC net banking portal and follow the below mentioned steps
- Go to ‘Card’
- Click on ‘Credit Card’
- Select ‘Transact’ to access the ‘Insta Loan’ option and apply for the HDFC Credit Card Loan
Phone Banking
Existing HDFC Bank Credit Card holders can call on the 24*7 phone banking facility provided by the lender to apply for its credit card loan facility.
Digital Banking
Customers can also visit the bank’s website to avail the HDFC Credit Card Loan facility in just 3 clicks. They can enter their registered mobile number and last 4 digits of their credit card, provide the loan amount and click on ‘submit’ to check their eligibility for availing the HDFC Credit Card Personal Loan facility.
Existing HDFC Bank Card holders can also receive the bank’s Loan on Credit Card facility through demand draft. Note that the delivery of the demand draft can take up to 7 working days post.
Apply for HDFC Bank Personal Loan with Quick Disbursal Click Here
Types of HDFC Credit Card Loan
HDFC Credit Card Insta Loan
HDFC Credit Card Insta Loan is provided for existing credit card holders of HDFC bank for loan amount up to their available credit limit, with the final limit depending on multiple factors.
- Loan Amount: Up to the available credit limit of the borrower’s HDFC Bank Credit card
- Tenure: 1-5 years
HDFC Credit Card Jumbo Loan
HDFC Credit Card Jumbo Loan is offered for existing HDFC Bank credit card holders for loan amounts over and above their available credit limit. Customers can also opt for higher loan amounts by checking their credit card loan eligibility with the bank.
- Loan Amount: Over and above the available credit limit of the borrower’s HDFC Bank Credit card i.e. availing the HDFC Credit Card Jumbo loan would not impact the existing credit limit of the borrower.
- Tenure: 1-5 years
Apply for HDFC Bank Personal Loan at attractive interest rates Click Here
HDFC Credit Card Loan Eligibility Criteria
HDFC Credit Card Insta Loan
- Only select existing HDFC Bank Credit Card holders are eligible for availing HDFC Credit Card Insta Loan.
- The lender decides HDFC Credit Card Insta Loan eligibility based on its internal guidelines.
HDFC Credit Card Jumbo Loan
- Only select existing HDFC Bank Credit Card holders are eligible for availing HDFC Credit Card Jumbo Loan.
- The lender decides HDFC Credit Card Jumbo Loan eligibility based on its internal guidelines.
- The bank will conduct CIBIL verification for customers applying for the loan and will only consider CIBIL good customers for further processing.
Documentation Required for availing HDFC Loan on Credit Card
The bank does not require any documentation from customers availing HDFC Credit Card Loan as it is a pre-approved credit card loan provided to select customers of HDFC Bank Credit Card.