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- How to Manage EMI using MyCards
How To Manage Consumer Durable Loan EMIs Using MyCards?

21 January, 2025
Synopsis
You can use MyCards to track and manage your Consumer Durable Loan EMIs, outstanding balance, and other banking products.
You can also stay updated on your remaining loan repayment amount directly through MyCards.
View your loan’s amortisation schedule to see the breakdown of principal and interest in your monthly EMIs.
You can buy high-priced household appliances and gadgets with a short-term Consumer Durable Loan. HDFC Bank offers up to 100% financing, instant approvals and flexible tenures of up to 24 months. You can make use of HDFC Bank’s MyCard portal to manage your Consumer Durable Loans and their corresponding equated monthly instalments (EMIs), as well as other banking products. Read on to know more.
Add Your Consumer Durable Loan Account To MyCards
Here’s how you can add your Loan Account on the MyCards portal:
Log into MyCards using your registered mobile number and OTP received on it.
Click on ‘Add’ and click on ‘Consumer Durable Loans’.
Enter your Loan Account number and click on ‘Add’.
So long as the registered mobile number remains the same, you can add multiple such Loan accounts and manage them individually. You can also de-link the loan account at will. Note that you can only add active Loan accounts.
How To Manage Consumer Durable Loan EMI
MyCards allow you to track your HDFC Bank Consumer Durable Loans. Here’s how you can manage EMI on MyCards:
Check outstanding Loan amount
With MyCards, you can check the balance amount you need to repay the bank for the Consumer Durable Loan.
View EMI amount
You can view the amortisation schedule for your Consumer Loan. The schedule tells you how much of the EMI amount is the interest and how much is the principal amount.
View loan summary
You can also check the applicable interest rate and loan tenure details in the loan summary section in MyCards.
Check overdue Loan amounts
In case you have an overdue Loan amount or interest, you can view those details with the MyCards portal as well.
Benefits Of MyCards
MyCards from HDFC Bank is an all-encompassing tool that lets you track and manage a host of HDFC Bank products in a single webapp. You can log into MyCards using simply your mobile number and OTP. Besides Consumer Loans, you can manage your HDFC Bank Credit Cards, Debit Cards and FASTag Accounts. You can also manage EMIs on Debit Cards. Additionally, you can control your card settings and set transaction limits, recharge FASTag wallets, pay Credit Card bills, etc.
Get Consumer Durable Loans From HDFC Bank
With HDFC Bank Consumer Durable Loans, you can purchase new appliances like televisions, refrigerators, computers, air-conditioners, etc. You can receive cashback after three successful EMI payments. Plus, the loan process is quick, easy and paperless. You can avail of a loan amount of up to ₹5 lakh with the minimum of ₹10,000.
Track your Consumer Durable Loan from anywhere, at any time, with HDFC Bank MyCards!
*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.