How to Get a Loan on Credit Card?

A Credit Card allows you to pay for your purchases without cash and defer payments by 20 to 50 days interest-free. But sometimes you may want to make a large purchase and pay for it over a longer duration. At times like these, a Credit Card loan can be a great option.

To read more about the benefits of a Credit Card, click here.

You can get many types of loans against Credit Card, depending on your need. HDFC Bank Credit Card offers the following:

  • InstaLoan: Get funds credited into your account instantly or receive it through a demand draft in your name in seconds. This is a pre-approved loan on Credit Card and requires no documentation. You can use it for any purpose – medical emergency, travel, wedding, education fees – and repay it in pocket-friendly instalments over a flexible tenure. The InstaLoan is offered within your card’s credit limit, and the EMI amount is added to your monthly statements.
  • Insta Jumbo Loan: This loan against Credit Card is similar to the InstaLoan in many respects. It’s an instant loan, with flexible tenures, attractive interest rates and easy EMIs. The difference is that you can get a loan amount exceeding your credit limit. With the Jumbo Credit Card loan, you can continue to use your card’s credit limit for other purchases as the Jumbo loan comes with its own account and statement.
  • SmartEMI: With SmartEMI, you can convert every purchase you make on your Credit Card into a smart loan. Get the loan in 1 second with zero documentation and attractive interest rates. In addition, you can pay back in easy monthly instalments over a tenure of your choice.
  • Balance Transfer on EMI: If you have a non-HDFC Bank Credit Card and would like to convert your outstanding dues into a loan, just transfer the amount to a HDFC Bank Credit Card loan and payback in pocket-friendly monthly instalments.

A Credit Card loan makes it easier for you to manage repayments for large purchases you make. You don’t have to worry about missing payment due dates or paying finance charges.

Are you looking to apply for HDFC Bank Credit Card? Click here to know more!

* Terms & conditions apply. Credit Card approvals are at sole discretion of HDFC Bank Ltd

Sr. No.

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

Apply for Credit Card