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HDFC Bank offers loan on credit card for their credit cardholders. The loan on credit card facility comes pre-approved on your existing credit limit. Here, you will read about the different types of HDFC Loan on credit card and the benefits associated with them.
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HDFC Bank provides 3 different types of loan on credit card facility. Have a look at their features:
| Particulars | HDFC Insta Loan Details |
| Eligibility | Only Pre-approved cardholders can apply. The bank informs the customers via SMS or call |
| Documents Required | No additional documents are needed for pre-approval |
| Loan Amount | Rs.10,000 – Rs.5,00,000 (Varies customer to customer) The loan amount will be blocked against your credit limit |
| Loan Tenure | 12-48 months |
| Interest Rate | Varies from customer to customer |
| Processing Fee | Up to Rs.700, depending on the eligibility and card offers |
| Loan Disbursal Time | Within 24 hours if you have savings account in the same bank 5-7 business days (or higher) in case of NEFT or Demand Draft |
Want to know more details? Click here
| Particulars | HDFC Insta Jumbo Loan Details |
| Eligibility | Only Pre-approved cardholders can apply. The bank informs the pre-approved customers via SMS or call |
| Documents Required | No additional documents are needed for pre-approval |
| Loan Amount | Rs.30,000 – Rs.10,00,000 (The amount is decided by the bank on the basis on the customer’s profile) |
| Loan Tenure | 12-60 months |
| Interest Rate | Varies from customer to customer |
| Processing Fee | Up to Rs.999, depending on the eligibility and card offers |
| Loan Disbursal Time | Within 24 hours if you have savings account in the same bank 5-7 business days (or higher) in case of NEFT or Demand Draft |
For more information on HDFC Insta Jumbo Loan, click here.
| Particulars | HDFC SmartEMI Details |
| Eligibility | Only Pre-approved cardholders can apply. The bank informs the pre-approved customers via SMS or call |
| Documents Required | No additional documents are needed for pre-approval |
| Loan Amount | Rs.500 – Rs.5,00,000 |
| Loan Tenure | 9 – 36 months |
| Interest Rate | Varies from customer to customer |
| Processing Fee | 1% of the loan amount depending on the eligibility and card offers |
| Loan Disbursal Time | Within 24 hours if you have savings account in the same bank 5-7 business days (or higher) in case of NEFT or Demand Draft |
To know more about HDFC SmartEMI, Click here.
Application for HDFC loan on a credit card is easy. However, you must first register your credit card.
You can apply for HDFC Loan on credit card via internet banking. Insta Loan and Insta Jumbo Loan are for selected HDFC customers only. You will see the application form along with the loan limit only if you are pre-approved.
For SmartEMI, you can select the option under the “Transact” category of Credit Cards. If you have any issue, you can also contact the Phonebanking services at 011 61606161
Loan on credit card definitely serves the purpose if you need financial help on an urgent basis. It is a pre-approved loan that the bank offers to a few customers only, making it one of the most convenient methods of borrowing.
But apart from that, the interest rates and other charges that come with a loan on credit card are much higher as compared to a Personal Loan. This pre-approved offer is also for few selected bank customers so not all cardholders are eligible for this. Lastly, in some cases like HDFC Insta Loan, when you opt for Loan on credit card, the loan amount will be blocked against your credit limit. Though you will pay the loan in flexible tenure as EMI, the repayment will turn out to be expensive.
I got a travel-specific HDFC credit card in 2019. Luckily, I got a chance to experience its travel perks in September 2019. A good card with a satisfactory rewards rate. I highly recommend HDFC credit cards for frequent travellers.
This was my first credit card and I still have it with me because of a simple rewards program and low fee. I have been able to earn good rewards with this card. Would totally recommend this for beginners.
It is a good credit card that gave benefits on entertainment. I am satisfied with this.
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It is truly addictive as the advantages are plenty. In fact, what you pay for the card is negligible if you compare it with the offerings. Now it appears I can't live without this card
This card has no parallel. I have used plenty of credit cards but this offers innumerable benefits. Now it appears, I can't live without this card and it is truly addictive
