How to Use Credit Card for Festive Shopping

26 October, 2023

The last quarter of the year heralds the beginning of the festive season. With plenty of holidays to look forward to, you not only open your heart to celebrating special moments with loved ones but also loosen your purse strings when it comes to festive shopping. From clothes and gadgets to mithai and other luxury items, shopping during the festival season only brightens the atmosphere. Make this festive season special for you and your loved ones with every purchase you make. Keep reading on to know how to use a Credit Card during festival season and make the most of festive offers.

Shopping with  
Credit Card this festival season

Shop using your Credit Card this festival season and take advantage of incredible offers. As an HDFC Bank Credit Card holder, you can enjoy the following offers*:

  • Cashback of up to ₹12,000 on Samsung Mobile purchases 

  • Save up to ₹10,000 on Apple products 

  • 10% instant discount on Reliance Digital spends 

  • Instant discount of up to ₹4,000 on EMI transactions at Vijay Sales 

  • 10% instant discount on HDFC Bank Credit Card spends at Lifestyle and Homecentre stores 

  • Save up to ₹5,000 at GRT Jewellers 

  • Instant discount of up to ₹5,000 on Cleartrip spends

As the festive approaches, the expenses keep increasing. A Loan on your Credit Card can be a viable solution to access funds instantly.

Make festive shopping easier with Credit Card Loans

While you would love to go all out and renovate your home, upgrade it with new electronic appliances, and spare no expense on gifts for loved ones, it could mean having to stretch your monthly budget to accommodate these festive expenses. However, what if there was a way for you to enjoy shopping during the festive season without the worry of expenses bogging you down? These expenses won't have much of an impact on your savings if you have an HDFC Bank Credit Card at your disposal. By taking a Loan against your Credit Card, you can go about your festive expenditure without any glitches.

Why should you take a Loan on Credit Card?

The convenience of a Credit Card is obvious – it increases your purchasing power without an immediate impact on your bank account. Just one simple swipe and you can buy almost anything without having to pay upfront. You can repay the amount at a later date and continue your shopping without interruptions. But what if you want to make multiple large purchases or need urgent money that is beyond your credit limit? With your HDFC Bank Credit Card, you can get an instant loan to fulfil all your spending needs this festive season. You can easily acquire funds to purchase everything on your shopping list and make the festive season even brighter and grander.

Benefits of taking a Loan on Credit Card from HDFC Bank:

Instant funding option

This quick and convenient method of borrowing lets you make room for any expensive last-minute additions to your shopping list; such as a home theatre system for your TV room or smart appliances for your kitchen. You can finance impulse buys and also get something special for all your loved ones. With your HDFC Bank Credit Card, you can get an instant loan for an amount within your credit limit (Insta loan) as well as an amount exceeding the limit (Jumbo Loan). Since it is a pre-approved loan, the amount will reach your account within seconds to meet your immediate spending needs. And if you don't have a valid HDFC Bank account, you can receive the funds as a Demand Draft.

Pre-approved and hassle-free

The biggest advantage of a Loan on Credit Card is that it is pre-approved. It saves you the trouble of any paperwork, and you don’t even have to submit any collateral. All you need is a good repayment history, and the loan amount gets automatically credited into your bank account. This means that you can go about your festive celebrations by spending on all that you desire, without having to worry about visiting the bank to get additional funds. Click here for a guide on how to get a Loan on Credit Card.

Easy repayment

You can repay in EMIs over your chosen tenure, which is 12 to 60 months. For Insta Jumbo Loan, a new card will be issued with a separate monthly statement. And the EMI will be billed starting from the immediate billing cycle date and the payment is only via autopay. For Insta Loan and SmartEMI, EMIs will be added to your Credit Card statement.

Minimal processing fees

With a 50% off on processing*, availing a Loan on your HDFC Credit Card is more affordable and easier than it has ever been before.

Balance Transfer

HDFC Bank gives you the option of transferring outstanding balances from other bank cards to a single HDFC Bank Credit Card and paying the entire amount in EMIs. This way, you do not have to worry about paying off separate loans on different accounts, and you can easily manage your post-festival finances.

Apply for an Xpress Loan on Credit Card

As part of HDFC Bank Festive Treat, by taking a Loan on Credit Card, you can receive money 24x7 with zero documentation. You can also avail of perks like instant disbursal and 50% off on processing fees*. You can either apply online, talk to your Relationship Manager or visit your nearest branch. So, go ahead and indulge in the festive cheer without feeling the pinch. To apply for a Loan on Credit Card from HDFC Bank, click here to get started.

​​​​​​​​​​​​​​*Terms and conditions apply. 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. Credit Cards and Loans at the sole discretion of HDFC Bank Limited. Loan disbursal is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.