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Why Choose Us?

Easy Balance Transfer

Lower EMIs

Quick Disbursal

What's in store for you?

Exclusive Benefits & Features

Key Features

Balance transfer

  • Pay outstanding on other bank credit cards by transferring the balance to an HDFC Bank Credit Card
  • Save money by switching from a higher to lower EMIs
  • Pay EMIs as low as ₹27 per ₹10,000

Interest rates

  • Enjoy attractive interest rates, among the lowest in the market

Repayment

  • EMI amount, service tax and education cess will be billed in the monthly statement starting from the immediate billing cycle date.
  • They are part of the Minimum Amount Due (MAD) appearing in your monthly HDFC Bank Credit Card statement.

Loan processing & approval

  • Get a quick disbursal of your loan
  • No documentation is required since loan is pre-approved

Tenure

  • Repay loans in easy instalments of 9 to 48 months
Smart EMI

EMIs

  • Get an estimate of your potential monthly payments with our Credit Card EMI Calculator. 
  • Below is a sample list of EMIs you might need to pay. The EMI is calculated at a rate of 1.1% per month.
Loan Amount (₹) 36 months 24 months 18 months 12 months 9 months
50,000 1,346 1,690 2,382 4,471 5,866
1 lakh 2,693 3,379 4,764 8,941 11,731
2 lakh 5,385 6,758 9,527 17,882 23,462
3 lakh 8,078 10,137 14,291 26,823 35,193
4 lakh 10,771 13,516 19,054 35,764 46,925
5 lakh 13,463 16,895 23,818 44,706 58,656
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Most Important Terms & Conditions

  • *The (Most Important Terms and Conditions) for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose. 
Smart EMI

Wondering if you’re eligible?

This is available for pre-approved customers. check your eligibility for Balance Transfer on EMI here

NetBanking

  • Log in to NetBanking and Click Cards > Credit Cards > Transact > Balance Transfer on EMI

PhoneBanking

  • Our PhoneBanking services are available 24/7

Call to your registered contact number

  • Once your loan eligibility is confirmed, an HDFC sales executive will contact you to discuss the eligible amount, interest rate and other loan details.

SMS on your registered contact number

  • Upon confirmation of loan eligibility, HDFC Bank will send details of the eligible amount, interest rate and other loan information via SMS.

More about Balance Transfer on EMI

HDFC Bank's Balance Transfer on EMI allows you to transfer your outstanding balance from other credit cards to an HDFC Bank Credit Card. Enjoy lower interest rates, flexible repayment options and consolidate your debts into one convenient payment. 

HDFC Bank's Balance Transfer on EMI offers lower interest rates, helping you consolidate high-interest debt into a single, affordable payment. It simplifies finances, saves on interest and can improve your credit score by ensuring timely payments. 

You can apply for a Balance Transfer on EMI online by following these steps:

Step 1: Check your eligibility by providing your Registered Mobile Number & the last 4 digits of your HDFC Bank Credit Card.

Step 2: We will send an OTP for verification

Step 3: Check the eligible amount & confirm the amount to be transferred from other bank Credit Card to HDFC Bank 

Step 4: We will send another OTP for confirmation

Step 5: Receive the DD for the loan amount on your registered address

Frequently Asked Questions

Balance Transfer on EMI allows you to pay off your outstanding dues on other credit cards by transferring the balance to an HDFC Bank Credit Card. This helps you save money by switching to lower interest rates and lower EMIs.

Balance transfer instalment plan allows you to pay off your outstanding balance in easy monthly instalments, giving you flexibility and convenience in managing your finances.

By opting for a Balance Transfer on EMI facility, you can switch from a higher interest rate to a lower one, reducing the overall cost of your loan.

No documentation is required since this is a pre-approved facility.