Credit Card Services and Offerings - HDFC Bank
Enjoy enhanced financial flexibility with HDFC Bank’s Credit Card offerings. From Limit Enhancement that boosts your credit limit, to the convenience of Credit Card Upgrades and easy loan options like Insta Loan, Jumbo Loan, and Smart EMI, discover options that best suit your lifestyle and make smarter financial choices today!
Limit Enhancement
What is Credit Card Limit Enhancement?
Limit Enhancement is an increase in the credit limit on your HDFC Bank Credit Card, providing you with greater purchasing power and financial flexibility. It allows you to manage higher expenses, improve your credit utilisation ratio, and enjoy enhanced benefits.
Why Should You Apply?
A Credit Card Limit Enhancement can boost your purchasing power, improve your credit score by lowering utilisation and ensure you’re financially ready for emergencies.
Credit Card Upgrade
What is Credit Card Upgrade?
Credit Card Upgrade is the process of switching to a higher-tier HDFC Bank Credit Card with enhanced benefits, better rewards and exclusive privileges.
Why Should You Apply?
Along with enhanced rewards, upgrading your Credit Card allows you to maximise your Card’s potential and improve financial management.
Insta Loan
What is Insta Loan?
Insta Loan is a pre-approved, money on demand facility, which is offered to a select HDFC Bank credit cardholders. The Insta Loan amount that a credit cardholder would be eligible for is within the existing credit limit on the card. The funds will be transferred to your HDFC Bank Savings account instantly. The loan amount will be blocked against the credit limit.
Why Should You Apply?
If you need access to quick funds without any documentation, an Insta Loan can be a hassle-free solution. You can choose an Insta Loan if you need an amount within your credit limit and are okay with the credit limit being blocked.
Jumbo Loan
What is Jumbo Loan?
Jumbo Loan is a pre-approved, money on demand facility, which is offered to a select HDFC Bank credit cardholders. The Jumbo Loan amount that a credit cardholder would be eligible for is over and above the existing credit limit on the card. The funds will be transferred to your HDFC Bank Savings account instantly.
Why Should You Apply?
If you require extra funds without blocking your credit card limit, you can opt for a Jumbo Loan. You can access attractive interest rates and affordable EMIs.
Smart EMI
What is Smart EMI?
SMART EMI is a facility provided to HDFC Bank Credit Card holders to convert their purchases or outstanding amount into easy monthly instalment with flexible tenure ranging from 6 to 48 months. The total loan amount will be blocked against the credit limit.
Why Should You Apply?
You can split large expenses into smaller and manageable payments while enjoying competitive interest rates.