Features
Enjoy attractive interest rates, among the lowest in the market
Click here to check your personalised interest rate offer
Choose a tenure between 12 to 60 months and check the EMIs accordingly
Click here to check customised EMI
Calculate EMIs with our Credit Card Loan EMI Calculator
Repay loans in easy and flexible instalments based on your needs
Pro tip: Higher tenure = Lower EMIs
Tenure ranges from 12 months to 60 months
Since it is a pre-approved loan extended to select customers, no need for any paperwork
Only your HDFC Bank Credit Card number and registered mobile number is required for OTP verification before the loan amount disbursal
Quick disbursement as the loan is pre-approved
The amount will be credited into your HDFC Bank Savings Account in seconds
- Loans cannot be cancelled where loan amount is utilized either in partial or full
- Cooling period for loan cancellation is not applicable if a loan amount is utilized either in partial or full
Pre-closure/Foreclosure facility is offered at a nominal fee
You can call the HDFC Bank PhoneBanking or Relationship Manager to close the loan at any time you wish
- Get a Loan on Credit Card from HDFC Bank in just three clicks!
- Click here to check your eligibility, choose the loan amount, and confirm
- 40 lakh + customers have availed a loan via our digital portal
- All you need is your mobile number and the last four digits of your Credit Card number
For Flexat (NB old version) “Login to HDFC Bank NetBanking > Click Credit Cards> Transact > Insta Jumbo Loan (For Jumbo loan)”
& “Login to HDFC Bank NetBanking > Click Credit Cards> Transact > Insta Loan (For Insta loan)”
For Backbase (NB New Version): Pay > Credit Cards > Select the Credit Card > Get a Loan with Credit Card
Rate offered to the customer during the period of 1st July’25 To 30th September’25
| IRR | Q2 (2025-26) |
| Min IRR | 10.80% |
| Max IRR | 20.04% |
| Avg IRR | 13.61% |
Annual Percentage Rate offered to customer during the period of 1st July’25 To 30th September’25
| APR | Q2 (2025-26) |
| APR | 14.26% |
Rate offered to the customer during the period of 1st July’25 To 30th September’25
| IRR | Q2 (2025-26) |
| Min IRR | 10.80% |
| Max IRR | 20.16% |
| Avg IRR | 15.02% |
Annual Percentage Rate offered to customer during the period of 1st July’25 To 30th September’25
| APR | Q2 (2025-26) |
| APR | 16.85% |
| Sr No. | Loan on credit card disbursals are basis below conditions | |
| 1 | If you have an existing HDFC Bank Credit Card, you can directly avail loan on your credit card. | Apply now |
| 2 | If you don't have an HDFC Bank Credit Card, you must first apply for a new credit card with us. Post which, you can check the eligibility and apply for Loan on credit card. | Apply for Credit Card |
