HDFC Insta & Jumbo Loan Against Credit Card Zero Processing fees & Without Documents

 HDFC Insta & Jumbo Loan Against Credit Card Zero Processing fees & Without Documents 


Use your assets such as property, gold, securities and rental income, or even your salary account and credit card to get affordable and quick loans from HDFC Bank.

             Use your assets such as property, gold, securities and rental income, or even your salary account and credit card to get affordable and quick loans from HDFC Bank. Some of the features of HDFC Bank’s loans against assets are attractive interest rates, pocket-friendly EMIs, quick processing and speedy disbursals. Use the funds to invest in your business, spend on a family wedding or tide over an emergency.

               A Credit Card is a great way to make payments for things you want to buy now and pay later. But sometimes you want more than a month or 45 days to make the payment. At times like these, a Loan against Credit Card is an ideal option. You can repay the amount in easy monthly instalments instead of paying the entire amount on the due date.

But how can you get a Loan against Credit Card?

A Loan against Credit Card is a pre-approved loan. It requires no documentation and processing and the funds are instantly disbursed into your account.

For example, if you are an HDFC Bank account holder, you can check if you are eligible for a Loan against Credit Card by logging on to your Net Banking account. If you are eligible you can immediately apply for the loan and get the funds in seconds.

Loan Against on credit card no documents required

Loan on Credit Card

          Take a loan against your credit card limit to meet all your urgent financial needs without any hassles.

  • Get a pre-approved loan within the credit limit of your HDFC Bank Credit Card instantly 
  • Enjoy attractive interest rates, among the lowest in the market
  • No Any documentation is required

You can apply for a Loan on Credit Card only if your card is registered for Net Banking.

Loan on credit card

1. Loan amount

          Get a pre-approved loan within the credit limit of your HDFC Bank Credit Card Loan amount will be blocked against your credit limit.

2. Interest rates

       Enjoy attractive interest rates, among the lowest in the market

3. Tenure

       Repay loans in easy instalments of 12 to 48 months

4. Processing and approval

         No cumbersome documentation required as the loan is pre-approved Get credit into your HDFC Bank Account in seconds

5. Documentation

            No documentation is required for this pre-approved loan


To register your card, log into Net Banking and follow these steps:



     >> Click on the cards tab

     >>Select Transact on the left menu

     >>Select Register new card

     >>Fill in the details and press submit.


To check if you are eligible for loan on a registered card, here’s a detailed step-by-step guide:

      >>Login to your Net Banking account

       >>In your Net Banking account, click on cards

       >>On the left menu, click on Transact


HDFC Bank offers three types of loans on Credit Card – 

  • Insta Loan (a loan within your Credit Card limit) and 
  • Insta Jumbo Loan (loan beyond your Credit Card limit) and 
  • SmartEMI (convert purchases into EMI loans).

Follow these steps, if you opt for Insta Loan or Insta Jumbo Loan:

        >>Choose the card you want the loan against

        >>If you are not pre-approved for a loan, you will see a message that    informs you of the same

        >>If your card is pre-approved for a loan, an application form will open.    The application form will show you the maximum loan amount you are eligible for

         >>Enter the loan amount you need, the tenure and interest rate, choose  your savings account, accept the terms and conditions and hit continue

         >>Verify the loan details and press confirm


Choose a method of receiving OTP (email or SMS), and click continue

         >>Enter the OTP and click continue

         >>You will receive an acknowledgement along with a reference number and loan account number.

         >>The loan amount will be credited to your account instantly.

Follow these steps, if you opt for SmartEMI

         >>Select the card

         >>Under transaction type, choose Debit, click view

         >>You will see a list of transactions. The transactions that are eligible for EMI will have a message next to it that says: ‘Click to know your eligibility’

         >>Click on the message for any transaction you want to convert to EMI  The loan amount you are eligible for will be shown. Enter the amount you need

         >>Select tenure and interest rate

         >>Read and accept the terms and conditions

........ Click continue

         >>Verify the loan details and confirm

         >>You will receive an acknowledgement along with a reference number                    and loan number.

hdfc bank zero processing fees loan

Points to remember before you apply for a Loan against Credit Card:

1. There is a processing fee involved for loans against Credit Cards: Rs. 500 for Insta Loan and Jumbo Loan, and 1% of the loan amount for a Smart EMI.

2. There is no documentation required for any Loan against Credit Card.

3. The loan amount is disbursed instantly into your account. You can even ask for the funds to be issued as a demand draft

4. Your EMIs are billed as part of your monthly Credit Card statement. You must pay it by the due date.

5. Usually, when you take a loan on Credit Card, your credit or spending limit is reduced to the extent of your EMI. In the case of a Jumbo Insta Loan, your credit limit is not blocked.


Know more about the difference between a Loan on Credit Card and a Personal Loan here.


* Terms & conditions apply. Loan on Credit Card disbursal at sole discretion of HDFC Bank Ltd.

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