{"id":14540,"date":"2024-08-14T13:47:04","date_gmt":"2024-08-14T08:17:04","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=14540"},"modified":"2024-09-16T18:08:46","modified_gmt":"2024-09-16T12:38:46","slug":"hdfc-loan-against-credit-card","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/","title":{"rendered":"HDFC Loan Against Credit Card: Eligibility, How to Apply"},"content":{"rendered":"\n<p>HDFC bank offers instant loans against credit cards for customers using HDFC Credit Card. Students and individuals who are using credit cards can apply for a personal loan online or by using the app. The loan is pre-approved and available for HDFC Bank customers. The bank claims to disburse the loan to your HDFC bank savings account in a few seconds. You can also get an <a href=\"https:\/\/fly.finance\/blog\/education-loan\/hdfc-bank-education-loan\/\"><strong>HDFC bank education loan<\/strong><\/a> against a credit card or by applying separately. You can use the loan amount for any type of requirement like education, travel, shopping etc. To know all the major features and other details of HDFC loans against credit cards, continue reading further.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-hdfc-loan-against-credit-card-major-features\" data-level=\"2\">HDFC Loan Against Credit Card: Major Features<\/a><\/li><li><a href=\"#h-hdfc-loan-against-credit-card-interest-and-emi\" data-level=\"2\">HDFC Loan Against Credit Card: Interest and EMI<\/a><\/li><li><a href=\"#h-eligibility-criteria\" data-level=\"2\">Eligibility Criteria<\/a><\/li><li><a href=\"#h-documents-required\" data-level=\"2\">Documents Required<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-loan-against-credit-card-major-features\"><span id=\"hdfc-loan-against-credit-card-major-features\">HDFC Loan Against Credit Card: Major Features<\/span><\/h2>\n\n\n\n<p>HDFC Bank provides personal loans against credit cards at attractive interest rates which is the lowest in the market. The loan is approved by the bank with minimum documents. You just need to submit the credit card details and phone number. You can also apply for <a href=\"https:\/\/fly.finance\/blog\/education-loan\/hdfc-bank-personal-loan-for-education\/\"><strong>HDFC Bank personal loan for education<\/strong><\/a>. More than 40 lakh customers have taken personal loans against credit cards. The bank will verify the card and immediately transfer the money to your HDFC Bank savings account. Check some of the major features of HDFC loans against credit cards in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Loan Scheme<\/td><td>Jumbo Loan<br>Insta Loan<\/td><\/tr><tr><td>Rate of Interest<\/td><td>16.33% (average interest rate)<\/td><\/tr><tr><td>Repayment Period<\/td><td>12 to 60 months<\/td><\/tr><tr><td>Eligibility<\/td><td>Must be an HDFC Credit Card customer<\/td><\/tr><tr><td>Maximum Amount<\/td><td>Below the card limit under the Insta Loan Scheme<br>Equal or above card limit under the Jumbo Loan Scheme<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check here all about <\/strong><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/icici-bank-personal-loan\/\"><strong>ICICI Bank personal loan<\/strong><\/a><strong> and understand all the major features of the loan<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-loan-against-credit-card-interest-and-emi\"><span id=\"hdfc-loan-against-credit-card-interest-and-emi\">HDFC Loan Against Credit Card: Interest and EMI<\/span><\/h2>\n\n\n\n<p>The interest rate on an HDFC personal loan against a card depends on the loan amount, credit report &amp; score, loan scheme etc. The average interest on HDFC credit card loans is 16.33%. The interest rates for this loan are competitive and lower than regular credit card interest rates which makes it an attractive choice for short-term borrowing. Check more details below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Insta Loan<\/strong><\/td><td><strong>Jumbo Loan<\/strong><\/td><\/tr><tr><td>Minimum IRR: 11.88%<\/td><td>Minimum IRR: 11.88%<\/td><\/tr><tr><td>Maximum IRR: 22.32%<\/td><td>Maximum IRR: 21.96%<\/td><\/tr><tr><td>Average IRR: 16.33%<\/td><td>Average IRR: 15.67%<\/td><\/tr><tr><td>APR: 17.66%<\/td><td>APR: 16.30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria\"><span id=\"eligibility-criteria\">Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>HDFC Bank offers loans against credit cards to eligible cardholders who have a good credit history and a consistent repayment track record. The eligibility criteria include being an active HDFC credit cardholder with a good credit score, sufficient available credit limit, and a stable income source. The loan amount is determined based on the cardholder&#8217;s credit limit and can be repaid in easy monthly instalments.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant must have a bank account and an active HDFC credit card<\/li>\n\n\n\n<li>The income of the applicant must be stable<\/li>\n\n\n\n<li>The credit score must be good i.e. above 750<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h2>\n\n\n\n<p>Since the HDFC loan against a credit card is a pre-approved loan, no major documents are required. However, if you do not have a savings account with HDFC Bank, you need to submit the following documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fully filled and signed by the applicant.<\/li>\n\n\n\n<li>Identity Proof like PAN Card, Aadhaar Card, Passport etc.<\/li>\n\n\n\n<li>Latest Salary Slips (for salaried individuals)<\/li>\n\n\n\n<li>Bank Statements of the last 3-6 months<\/li>\n\n\n\n<li>Latest HDFC Credit Card Statement<\/li>\n\n\n\n<li>Bank account statements for the last 3-6 months<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Planning to pursue MBBS abroad? Check here all about <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-mbbs-in-germany\/\"><strong>education loan for MBBS in Germany<\/strong><\/a><\/p>\n\n\n\n<p>This was all about the HDFC loan against a credit card. Before applying for a loan, try to compare a usual personal loan and a loan against a credit card. Find out which loan has a low rate of interest and then finalise the one. Check some FAQs below:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1723622816575\"><strong class=\"schema-faq-question\">What is an HDFC loan against a credit card?<\/strong> <p class=\"schema-faq-answer\">The HDFC Loan Against Credit Card is a pre-approved loan offered to select HDFC credit cardholders. It allows cardholders to borrow funds based on the credit limit of their existing HDFC credit card.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723622830474\"><strong class=\"schema-faq-question\">How can I apply for an HDFC loan against a credit card?<\/strong> <p class=\"schema-faq-answer\">You can apply for the loan through HDFC&#8217;s NetBanking portal, mobile banking app, or by contacting HDFC customer care. The process is quick and requires minimal documentation since it is a pre-approved loan based on your credit card usage and history.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723622843077\"><strong class=\"schema-faq-question\">What is the repayment tenure for an HDFC loan against a credit card?<\/strong> <p class=\"schema-faq-answer\">The repayment tenure for HDFC personal loans against a credit card typically ranges from 6 to 48 months. You can choose a tenure that best suits your financial situation, and the loan amount, along with interest, will be repaid in equated monthly instalments (EMIs).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723622860003\"><strong class=\"schema-faq-question\">Is there an impact on my credit limit if I take a loan against a credit card?<\/strong> <p class=\"schema-faq-answer\">Yes, the loan amount availed will be blocked against your credit limit. For example, if you have a credit limit of INR 1 lakh and take a loan of INR 50,000, your available credit limit will reduce to INR 50,000 until the loan is repaid.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723622897166\"><strong class=\"schema-faq-question\">What are the interest rates and charges for HDFC loans against credit cards?<\/strong> <p class=\"schema-faq-answer\">The interest rates for HDFC personal loans against credit cards vary based on your credit card type and the loan amount. The interest rate is lower than the regular credit card interest rate.<\/p> <\/div> <\/div>\n\n\n\n<p>To know more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex<\/strong><\/a> and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your study abroad experience.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/best-international-scholarships-to-study-in-us\/\"><strong>Scholarships to study in the US<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/australian-scholarships-for-indian-students\/\"><strong>Australian Scholarships for Indian Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/top-scholarships-to-study-in-uk\/\"><strong>Scholarships to Study in the UK<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/financial-aid-for-international-students-in-canada\/\"><strong>Financial Aid for International Students in Canada<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/non-government-scholarships-in-canada\/\"><strong>Non-Government Scholarships for International Students in Canada<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/pravasandhra-bharosa-bima-scheme\/\"><strong>Pravasandhra Bharosa Bima (PBB) Insurance Scheme<\/strong><\/a><\/td><\/tr><tr><td><a 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12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>HDFC bank offers instant loans against credit cards for customers using HDFC Credit Card. Students and individuals who are using credit cards can apply for a personal loan online or by using the app. The loan is pre-approved and available for HDFC Bank customers. The bank claims to disburse the loan to your HDFC bank &#8230; <a title=\"HDFC Loan Against Credit Card: Eligibility, How to Apply\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/\" aria-label=\"Read more about HDFC Loan Against Credit Card: Eligibility, How to Apply\">Read more<\/a><\/p>\n","protected":false},"author":24,"featured_media":14551,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-14540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>HDFC Loan Against Credit Card: Eligibility, How to Apply<\/title>\n<meta name=\"description\" content=\"MD: Check here all the details about HDFC loans against credit cards. 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Know the features, eligibility, and documents required for the loan.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"HDFC Loan Against Credit Card: Eligibility, How to Apply","og_description":"MD: Check here all the details about HDFC loans against credit cards. 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With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.","sameAs":["https:\/\/in.linkedin.com\/in\/thahankmoody","https:\/\/www.tumblr.com\/blog\/dhanlabh"],"url":"https:\/\/fly.finance\/blog\/author\/shekhar\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622816575","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622816575","name":"What is an HDFC loan against a credit card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The HDFC Loan Against Credit Card is a pre-approved loan offered to select HDFC credit cardholders. It allows cardholders to borrow funds based on the credit limit of their existing HDFC credit card.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622830474","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622830474","name":"How can I apply for an HDFC loan against a credit card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can apply for the loan through HDFC's NetBanking portal, mobile banking app, or by contacting HDFC customer care. The process is quick and requires minimal documentation since it is a pre-approved loan based on your credit card usage and history.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622843077","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622843077","name":"What is the repayment tenure for an HDFC loan against a credit card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The repayment tenure for HDFC personal loans against a credit card typically ranges from 6 to 48 months. You can choose a tenure that best suits your financial situation, and the loan amount, along with interest, will be repaid in equated monthly instalments (EMIs).","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622860003","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622860003","name":"Is there an impact on my credit limit if I take a loan against a credit card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, the loan amount availed will be blocked against your credit limit. For example, if you have a credit limit of INR 1 lakh and take a loan of INR 50,000, your available credit limit will reduce to INR 50,000 until the loan is repaid.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622897166","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/hdfc-loan-against-credit-card\/#faq-question-1723622897166","name":"What are the interest rates and charges for HDFC loans against credit cards?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The interest rates for HDFC personal loans against credit cards vary based on your credit card type and the loan amount. The interest rate is lower than the regular credit card interest rate.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=14540"}],"version-history":[{"count":6,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14540\/revisions"}],"predecessor-version":[{"id":15278,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14540\/revisions\/15278"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/14551"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=14540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=14540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=14540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}