3.33% value-back across all categories
Unlimited access in India and abroad
Though each HDFC card comes with a different set of benefits, there are some common features that most credit cards from HDFC Bank would have. Key features of HDFC credit cards include:
EMI Conversion: Using HDFC Bank’s Smart EMI facility, you can convert big-ticket transactions into installments and pay off over a period of 3 to 24 months, or higher in some cases. Credit card interest is usually applicable on such EMIs, however, the bank also offers no-cost EMI facility on select merchant spends.
Loan on Credit Card: HDFC Bank also offers loan on credit card under their Insta Loan and Insta Jumbo Loan facilities. In case of Insta Loan, your limit will be blocked for the amount you borrow whereas in case of Insta Jumbo Loan, you can get an amount over and above your available HDFC credit card limit. The eligible loan amount and interest rates, however, vary from user to user.
Balance Transfer: If you have an outstanding balance on a credit card from some other provider and find it difficult to pay off, you can transfer the balance to your HDFC Bank credit card. This will allow you to make payments in easy installments without any penalties or finance charges. Note that interest rates will still be applicable on balance transfers but the rate will be lower than credit card finance charges.
Link HDFC RuPay Credit Cards to UPI: You can now use your HDFC RuPay Credit Cards on BHIM UPI and all other UPI-enabled apps. Thus, you will be able to make UPI payments, even when you don’t have enough funds in your bank account.
