How Do Loan Against Credit Card Work

Credit Cards have made it possible for you to upgrade your lifestyle through big-ticket purchases. But with an HDFC Bank Credit Card, you can do much more. Now, you can take a Loan on Credit Card and pay it off through convenient EMIs. So, what is this loan, and how does it work? A Loan on Credit Card opens up a world of opportunities. It lets you achieve your dreams in an instant. Find out more about how a loan on credit card works in this article.

How Does a Loan on Credit Card work?

As we said before, the most significant advantage of this type of loan is you can have access to emergency funds for your personal use at any time. Loan on Credit Card is pre-approved, so the disbursement is instantaneous. What’s more convenient is, the documentation is minimal.

You can choose a flexible repayment period up to 60 months. You can even get an interest-free repayment period of 20-50 days. HDFC Bank offers attractive and competitive interest rates for Loan on Credit Card. Our processing fees are nominal too, starting at Rs. 599.

Now that you know how a loan on credit card works, let’s look at what we have to offer:

  • InstaLoan- This is the kind of loan that is within your credit limit, and the EMI that you are required to pay is added to your monthly bill, along with any other purchases you make during that time. During the repayment, the credit limit available to you will also blocked by the loan amount.

  • Insta Jumbo Loan- You can avail a loan that is higher than your credit limit. It does not block your Credit Card limit and you can avail a higher loan of upto 10 lacs.

After reading about how does Loan on Credit Card work, try not to miss out on our unique products. Click here to get started.

Know more about the benefits of taking a Loan on Credit Card here.​​​​​​​

* The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.

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Loan on Credit Card Disbursals are Basis Below Conditions


 If you have an existing  HDFC credit card, you can directly avail loan on your credit card.

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If you don't have 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

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