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HDFC Credit Card Balance Transfer

HDFC Credit Card Transfer

Last Updated 02nd Sep 2021

  • HDFC credit card balance transfer is the process of repayment of outstanding balances of single or multiple credit cards at a lower rate.
  • HDFC credit card balance transfer provides multiple repayment modes.
Interest Rate Case to Case
Card Limit Upto 75% of the credit card limit
Processing Fee1.00%
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What is Balance Transfer (BT) in HDFC Credit Card?

HDFC credit card balance transfer is the facility to consolidate the outstanding balance from other credit cards to a different credit card from HDFC. HDFC also offers the flexibility of credit card balance transfer from bank to other. Thus, you can make convenient repayments using monthly instalments at a lower rate.

HDFC Credit Card Balance Transfer Interest Rates and Other Charges

Some key factors associated with HDFC credit card balance transfer are listed in the table below:

Balance Transfer Rate Case to Case
Processing Fee 1.00%

Benefits of HDFC Credit Card Transfer

With the HDFC credit card transfer, the outstanding credit card balance can be consolidated and repaid using flexible modes. Here is why you should apply for a HDFC credit card balance transfer.

  • Reduced Financial Burden: HDFC Bank offers lower credit card balance transfer rates starting at Case to Case along with processing fee of 1.00% on HDFC Bank credit card transfer. Thus, you can save on the outstanding balance by transferring your credit card to HDFC.
  • Improved Credit Score: If you make timely payment of your balance transfer EMIs, you can improve your credit score with a low-interest rate and an interest-free period of HDFC Bank credit card balance transfer.
  • Easy Repayments: With HDFC Bank credit card balance transfer, you can consolidate multiple credit card accounts into one account. It will make regular payment easier and organized.
  • Interest-Free Periods : HDFC Bank also provides interest-free periods for a specified tenure if you avail of the balance transfer facility of HDFC Bank depending upon the current offers at the time of balance transfer.

Eligibility & Documents Required for HDFC Bank Balance Transfer

Below-mentioned is eligibility criteria & documents requirement to apply for HDFC credit card balance transfer.

  • If you are an existing credit card holder of HDFC, you can apply for HDFC credit card balance transfer.
  • To avail for HDFC credit card balance transfer, you should have a good track record of credit card spendings and must have repaid the credit card dues on time.
  • You can know about the eligibility for HDFC credit card balance transfer you can contact through various methods including net banking, mobile banking or by calling HDFC credit card customer care number.
  • You do not require any documents for HDFC credit card balance transfer.

How to Apply for HDFC Bank Credit Card Balance Transfer?

You can apply for HDFC credit card balance transfer by using the modes mentioned below:

  • Net banking: You can apply for a HDFC Bank credit card via HDFC Bank NetBanking process. The general process for this is listed as follows: To apply for HDFC credit card balance transfer, follow the below-mentioned steps.
    • Login to HDFC Bank Net Banking Portal
    • Look out for a balance transfer option.
    • Enter the details of the card for which you wish to opt for credit card balance transfer.
  • Customer Care: You can apply for a credit card balance transfer by contacting number.


What is balance transfer in a HDFC Bank credit card?

Balance Transfer facility in a credit card is the facility that allows you to transfer the outstanding balance from any other credit card to a credit card at a lower rate.

What is the limit of card to card transfer?

You can avail card balance transfer for Upto 75% of the credit card limit.

How does a 0% balance transfer work in ?

A 0% balance transfer allows you to transfer the outstanding balance of single or multiple cards at 0% interest for a set period.

Can we transfer money from credit card to a bank account?

Yes, you can transfer money from a credit card to a bank account through third-party platforms.

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HDFC Credit Card News - Sep 2021
  • 2021-08-27 : HDFC Bank tops credit card by market share
    HDFC Bank has come out as the market leader of the credit card market in India. The bank has a 23.61% market share, the share of SBI cards is at 19.17%, while ICICI Bank comes at third with a 17.57% share. Despite the RBI ban on issuing any new card HDFC Bank has been able to maintain leadership status.
  • 2021-05-28 : HDFC Bank commits Rs 100 cr towards COVID relief in FY22
    HDFC Bank committed Rs 100 crore for setting up medical infrastructure for COVID-19 relief in 2021-22. The bank is planning to set up 20 oxygen plants in hospitals besides three 100-bed COVID care facilities as part of the plan.
  • 2021-05-25 : HDFC Bank deploys Mobile ATM in Bengaluru
    HDFC Bank deployed Mobile ATM in Bengaluru to assist customers during the COVID-19 related restrictions. The Mobile ATMs will eliminate the need for the public to move out of their locality to withdraw cash.
  • 2020-09-11 : Credit card EMIs at an all-time high
    HDFC Bank reported that the number of customers preferring to buy high-value products through instalments stood at an all-time high during the coronavirus pandemic. Further, The bank noted that the trend is visible across all segments of cardholders, including the newly launched millennia cards targeted for the younger users.
  • 2020-06-25 : HDFC Bank introduced co-branded credit card with IndiGo
    HDFC Bank partnered with the country largest airline IndiGo to launch a co-branded credit card, which will effectively work like a loyalty programme for the carrier. Named as Ka-ching, the card will offer multiple benefits like complimentary air tickets, lounge access, 5 % cashback or reward points on Indigo bookings, and 3% cash back on dining, grocery and entertainment.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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