Insta Loan: With an Insta Loan, you can borrow up to the full available limit on your credit card. For example, if your credit card limit is ₹1,00,000, you can borrow a maximum of ₹1,00,000. This loan temporarily blocks your credit limit, but with each EMI repayment, the limit is gradually restored.

Jumbo Loan: A Jumbo Loan allows you to borrow beyond your credit card limit. For example, if your card limit is ₹1,00,000, you may have a Jumbo loan offer of ₹3,00,000. Unlike an Insta Loan, your credit card limit is not blocked.

Smart Tip: Consider Ravi, who has a credit card limit of ₹1,00,000.

If Ravi needs ₹1,00,000 or less and doesn’t mind temporarily blocking his credit card limit, he might choose an Insta Loan. However, if he needs a larger amount, like ₹3,00,000, or wants to keep his credit card limit free for regular expenses, Ravi may prefer taking a Jumbo Loan.

Choose an Insta Loan if you need an amount within your credit limit and are okay with the limit being temporarily blocked. Opt for a Jumbo Loan if you need a larger amount or want your credit limit to remain available for ongoing spending.

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Yes, you can avail both Jumbo and Insta Loans together if you need a larger loan amount.
For example, let’s consider Ravi. He has an Insta Loan offer of ₹1,00,000 and a Jumbo Loan offer of ₹3,00,000. Since Ravi wants a total loan amount of ₹3,50,000, he can take a Jumbo Loan of ₹3,00,000 and then proceeds to take an Insta Loan of ₹50,000 to meet his needs

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The EMI amount depends on three factors: the loan amount, the interest rate, and the loan tenure. Let’s take an example to make it clearer: For a loan of ₹1,00,000 at an annual interest rate of 12%* with a tenure of 48 months, your EMI will be approximately ₹2,634

Smart Tip: Choose a longer repayment tenure to reduce your EMI.

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Note: The interest rate shown is just an example. Click the link above to check the latest rate.

For Jumbo Loans: A dedicated jumbo loan statement will be issued, and its due date will be the same as your credit card’s due date. For example, if your credit card payment is due on the 10th of every month, your jumbo loan EMI will also be due on the 10th, helping you manage both payments without tracking multiple dates.

For Insta Loans: Your EMI will be integrated into your credit card bill, so no separate tracking is required. You only need to repay your credit card bill on its usual due date, and the EMI will be included in that payment. For example, if your credit card bill is due on the 10th, your EMI will be included, and paying your bill in full will automatically cover the EMI.

Smart Tip: Take a loan right after your credit card statement is generated to enjoy a break from EMI payments. For example, if your statement is generated on the 20th of January and is due on the 10th of February, taking a loan on the 25th of January means your first EMI will only be due on the 10th of March—so you won’t have any EMI payments in January or February.

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Yes, you can reduce your EMI by extending the loan tenure. For example, for a loan of ₹1,00,000 at an interest rate of 12%*, the EMI for 24 months will be around ₹4,708, but if you extend the tenure to 48 months, the EMI decreases to approximately ₹2,634. A longer tenure means lower monthly payments.

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Smart Tip: Opt for a 60-month tenure for the lowest EMI. You’ll also have the flexibility to pre-close the loan anytime, if needed.

*Note: The interest rate shown is just an example. Click the link above to check the latest rate.

Yes, the loan can be pre-closed at any time by repaying the outstanding principal and interest. A pre-closure fee of 3% of the outstanding balance will be applied.

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HDFC Bank assures you of the best interest rate whether you apply online, over the phone, or at a branch. Want to secure a lower interest rate? Opt for a longer loan tenure. For example, a 12-month tenure may have a 1.24%* monthly rate, while a 60-month tenure could offer a 1.16%* monthly rate.

Smart Tip: Over 60% of customers who avail a Loan on Credit Card choose a tenure of 60 months to secure the lowest possible EMI.

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*Note: The interest rate shown is just an example. Click the link above to check the latest rate.

The shortest loan tenure available is 12 months, and the longest is 60 months.

Smart Tip: Over 60% of customers who avail a Loan on Credit Card choose a tenure of 60 months to secure the lowest possible EMI.

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Yes, you can choose to take only part of your eligible loan amount. For example, if your eligibility is ₹1,00,000, you have the flexibility to take ₹50,000 now. The remaining ₹50,000 can be accessed later subject to offer validity.

Smart Tip: Loan amount eligibility and interest rates are subject to change, so it’s best to take full advantage of the limited-time offer by opting for the full loan amount now!

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No income proof, paperwork, or KYC is required! Customers like you, with a solid repayment history, are fully pre-approved for a Loan on Credit Card.

Smart Tip: All you need is the last four digits of your credit card—so keep it handy to quickly check and avail your loan offer.

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There’s a one-time processing fee of ₹999, which will be added to your first EMI. Rest assured, there are no hidden charges.

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For customers with an HDFC Bank account: The loan amount will be automatically credited to your HDFC Bank account. You’ll receive a notification as soon as the amount is credited.

Smart Tip: The last four digits of your credit card—that’s all you need to check and avail your Loan on Credit Card!

For customers without an HDFC Bank account: You’ll be prompted to enter your bank details, including account number and IFSC, during the online application. A notification will confirm once the amount is credited.

Smart Tip: Be sure to keep your Account Number and IFSC code handy.

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Rest assured, you’ll receive the full loan amount without any deductions. For instance, if your loan is for ₹1,00,000, the entire ₹1,00,000 will be credited to your account. No hidden charges, taxes or fees will be deducted.

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