All About Loan on HDFC Bank Regalia Gold Credit Card !

22 April, 2024

Synopsis

• You can use your HDFC Bank Regalia Gold Credit Card to get a Loan with competitive interest rates, flexible EMIs and payment tenures.

• You can easily apply for it using the HDFC Bank NetBanking portal or from the dedicated Loan application portal.

• You can choose from Insta Loan and Jumbo Loan per your eligibility, credit limit and fund requirements.
  
  

In times of unexpected financial challenges, having an HDFC Bank Regalia Gold Credit Card can make all the difference. It enables you to get an instant loan. You can choose from two different types of Loans, Insta Loan and Jumbo Loan, depending on your eligibility. So, keep reading on to know the essential details of getting a Loan on an HDFC Bank Regalia Gold Credit Card.

Understanding Loan on HDFC Bank Regalia Gold Credit Card

HDFC Bank Regalia Gold Credit Card provides pre-approved loans based on your Card usage, repayment behaviour, and credit history. Here are the key features:

• Interest rate: You can get attractive interest rates that allow you to access funds at favourable terms.

• EMI options: With the Loan on HDFC Bank Regalia Gold Credit Card, you have the flexibility to choose a repayment tenure ranging from 12 to 60 months.

• Tenure and repayment: The loan structure is designed to accommodate your specific needs, offering easy and flexible repayment plans.

• Instant disbursal: Minimal documentation may be required as this is a pre-approved loan for selected customers. The process requires only your HDFC Bank Credit Card number and registered mobile number for OTP verification before the loan amount is disbursed.

• Pre-closure/Foreclosure facility: You have the flexibility to close the loan at any time. You can reach out to HDFC Bank through Phone Banking or your Relationship Manager to initiate the closure process.
  
  

Types of Loans You Can Get Against HDFC Bank Regalia Gold Credit Card

The Loan on HDFC Bank Regalia Gold Credit Card offers two distinct types:

• Insta Loan: This Loan lets you borrow money within your available Credit Card limit. You can get this Loan for various purposes, and you can repay the loan in pocket-friendly instalments over a flexible tenure.

• Jumbo Loan: This Loan gives you access to a loan amount that exceeds your regular credit limit. Unlike the Insta Loan, the Jumbo Loan allows you to continue using your Credit Card for other purchases as it does not block your Credit Card limit. The Jumbo Loan comes with its own account and statement, ensuring clarity and distinction from your HDFC Bank Regalia Gold Credit Card transactions.
  
  

How to Get a Loan on HDFC Bank Regalia Gold Credit Card?

Applying for a Loan on your HDFC Bank Regalia Gold Credit Card is a straightforward process that can be completed through HDFC Bank NetBanking or Loan application portal. Follow these steps to initiate the application:

1. Through HDFC Bank NetBanking:
   
   

   1. Log in to your HDFC Bank NetBanking account.

   2. Click on the ‘Cards’ section.

   3. In the left menu, select ‘Transact.’

   4. Choose the specific card you want the loan against. If your card is pre-approved for Loan, an application form will appear displaying the maximum eligible loan amount.

   5. Enter the desired loan amount, tenure, interest rate, choose your savings account, and accept the terms and conditions. Click ‘Continue.’

   6. Verify the loan details and press ‘Confirm.’

   7. Choose your preferred method (email or SMS) to receive the OTP and click ‘Continue.’

   8. Enter the OTP and click ‘Continue’ to complete the process.

2. Through HDFC Bank Loan application portal:
   
   

   1. Visit the portal through HDFC Bank Loan on Credit Card page.

   2. Enter your mobile number and Credit Card number.

   3. View available offers > Choose loan amount > Click on Submit.
      
      

Upon successful completion, you will receive an acknowledgement along with a reference number and loan account number.

Complete Financial Flexibility with the HDFC Bank Regalia Gold Credit Card

The HDFC Bank Regalia Gold Credit Card offers numerous features that empower you to manage your finances with confidence. From offering lifestyle benefits like complimentary lounge access, elite memberships, and gift vouchers to SmartEMI and Loans against Credit Cards, it redefines convenience.

So, apply for the HDFC Bank Regalia Gold Credit Card now and elevate your financial experience.

*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 Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals 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.