Secret is out: How to Enable HDFC Credit Card Loan offers

By | May 8, 2019

Update: This Premium Content has been discontinued.

If you’re a HDFC credit card customer, you might have felt this pain when looking for EMI/loan offers on your card. HDFC has 3 different type of credit card loans namely Smart EMI, Insta Loan & Insta Jumbo loan which i’ve covered in detail here. However, its not a standard credit card benefit, rather it changes every month based on your CC usage pattern.

How to Enable HDFC Credit Card Loan offers

Despite spending a LOT on my Business Regalia, the so called premium card, i NEVER used to get any EMI/loan offer for about 1 year or so. This made me curious to figure out what HDFC is looking for to provide their customers with offers.

While i wasn’t chasing EMI offers, HDFC offers one of the best interest rates for those who’re in need of it. Also, i’ve been asked over and over again by readers as to how the EMI/loan offers being triggered on HDFC cards, so here’s the solution.

#1 How to Get HDFC Credit card loan Offers

I started my Research with 6 HDFC credit cards to decode HDFC’s artificial intelligence behind this and i was pretty successful 😉

Lets cut the talk and get right to the point.

-> The secret is: Spend on SHOPPING sites

Yes, as simple as that. HDFC favors you if you’re a shopping freak for some reason or other. They don’t like you spending on random business expense, no matter how big it is. I’ve never got any offers until i finally applied this concept of “shopping” and you know what, i got the EMI offer within 10 days after applying the trick.

Not just that, i was pretty successful in even triggering Insta Loan offer on my card later. While we may think these as “tricks”, its all a common sense for banks.

#2 How to Get Auto Credit Limit Enhancement

It provides methods to enable the Credit Limit enhancement offer on your HDFC Credit card without any Income Proof (or) request to bank. The method is completely automated and works on itself. Tested with Moneyback Credit Card and the full details of the research is available in the premium content.

Few Tips:

  1. This is something that deals with Insta Loan
  2. Utilization ratio <30% required for this to work.

Premium Content: Know the Nitty Gritty of the Testing

If you would like to know more personal details about where exactly i spent on my testing that triggered the said offers, i’m giving out my research as a premium/paid content. Things covered in the premium content:

  1. Which HDFC cards i used
  2. Where i spent
  3. How much i spent
  4. How to get reduced Interest rates (11.88%)
  5. How many days it took for EMI/Insta Loan/Insta Jumbo Loan offer to be enabled
  6. How to Get Auto Credit Limit Enhancement
  7. Precautions to make it work 100%

Why am i charging? I’ve spent a lot of time and money in this testing process, for example, i took EMI/Insta Loans on the cards and paid the interest which i don’t need to.

How to Buy my Research Content?

  • Pay Rs.300 from here -> Pay Now
  • If you’ve already taken any of my credit card consultation packages in the past, you can get 50% off. All you need to pay is Rs.150
  • You’ll get an email of the Premium Content within 12-24 hrs post payment.

Release Notes:

  1. Initial Release: Jan 2017
  2. Update April 2017: Added a trick to enable auto credit limit enhancement offer on HDFC Credit Cards. This is the “one pleasant surprise” part in the previous release, now with in-depth info.

Further Research Updates: I’ll keep updating more on this whenever i’ve new information. New version’s will be available for free for paid members, lifetime.

What’s your thought on how HDFC deals with EMI Offers? If you’ve taken Paid version, feel free to leave your feedback.

54 thoughts on “Secret is out: How to Enable HDFC Credit Card Loan offers

  1. M M

    What is avg cr. card limits in India? Is 7l+ a good limit/avg? Is jumbo loan of 5lac good/avg? Kindly guide. Thanks

    1. Siddharth Post author

      Limits depends on the income level. Most have 1L-2L limits, few with 2-5L limits, very few with 5L-10L limits.
      That’s a nice jumbo loan Offer.

  2. Anoop E S

    I’m not sure about this. from my experience… It is like whenever the card is changed, the offer is not carried forward. card change in this case is not limited to card upgrade but issue of same card variant where the card was lost.

    i had to block my regalia two times and had to apply for a replacement (once for losing my card and once for one suspicious transaction). Both times , the offer for smart EMI and Insta Loan was not carried forward and I had to wait for sometime to get these offers reactivated.

    1. Siddharth Post author

      Maybe manual intervention might cause this change. No idea though. HDFC card loan/emi features are unique for every customer.

  3. Shiva

    Hello Siddharth,

    Hope you are doing fine.

    I took your advice and upgraded my money back card to Regalia First, they offered me a free upgrade! I’m happy with the card and I would like to apply for a new card from a different bank as a back-up. Which card would you suggest? My spends are mainly on Amazon and Freecharge/PayTM.

    Must say, you are doing a fine job by updating your blog regularly. Keep it up!

    Thanks for your time & help.

    1. Siddharth Post author

      Thanks for your kind words Shiva.
      Consider taking SBI Simply Click. It has some better reward points for online/amazon spends.
      Will perfectly fit your needs.

      1. Shiva

        Thanks for the suggestion, Sid. I’ve applied for the card.

  4. Haris

    Hi Siddharth,

    I have taken Insta Loan of 1 lakh for 12 months @ 0.99% monthly and reducing emi of 9026rs and last emi would be 8891.
    In total they are charging 7700rs extra as interest and ONLY 250rs as processing fees + 22rs ST, so total is approx 8000rs on 1 lakh of Principal.
    There was some offer going on as there were no fixed 1% charges + ST, only 250 + ST will cover everything.
    Is interest rate in your case is same or different? and what about processing fees?
    Please let me know, my DD is yet to arrive as I don’t have HDFC account, only Diners card and amount is blocking my Diners Rewards Credit limit.

    Thanks in advance.

    1. Siddharth Post author

      Yes, you’re right. This is the lowest interest (0.99% now for all months – temporary promo) and the processing fees these days changes as you’ve mentioned.
      My research on interest part is more about getting 0.99% even at times when promo is not running 🙂

  5. Jashan

    Hi Siddharth,
    It also happened with me too. I shopped a DJ controller from Ebay using EMI but payment got failed. Then I shopped the same controller from Snapdeal and this time payment was confirmed but seller was not able to fulfill the product. Left with no other choice I went to local shop and bought the controller without EMI (as Diners Club CC lack its compatibility with many EMI machines). I thought now I will pay the amount in 3 months at a rate of 42.5% interest pa. But I frequently kept visiting the netbanking and kept trying Emi on the specfic transaction but always got not available message but to my luck nearly after 15 days EMI was enabled for that transaction and I got loan accepted. But still Insta Loan and Insta Jumbo Loan is not enabled neither I am sure that I will get EMI in future or was it only a limited offer. But thanks to HDFC and I am happy they provided me EMI for that specific transaction for which I was in dire need.

  6. Madhur gurbani

    Dear siddharth,
    I got offer for insta loan and smartemi only in 4 months after receiving the card by
    One of trick which you told me .

    1. Siddharth Post author

      Sounds good, glad that i was able to help.

  7. Anwar

    Sid, If the CC bill is 25K, paying 25K on few days before due date or pay as 2-3 installment like 10K, 10K, 5K in between those days. Which is better? Is there any negative effect on making CC bill payment multiple times for small amount instead of single full payment?

    1. Siddharth Post author

      No difference, but its just an unwanted extra work.


    Hai Sidh !!!
    I got my HDFC credit card , 3 months back..
    2 weeks back , I got an insta loan offer but the limit was only 15k…
    I need a Insta Jumbo Loan..
    Is der any quick way of getting an Insta Jumbo Loan?
    Awaiting ur reply…..

    1. Siddharth Post author

      There is no quick way, as you got to wait for it.
      The paid version talks more about enabling the Jumbo loan (however, it can’t be enabled super fast)


    Hi,I got my hdfc business money back card,i want to that by your trick will i get the jumbo loan offer and how much time it takes,I request you reduce your fee.

  10. ramakrishna m

    hai siddarth,,,
    i am using hdfc money back card from last 8 months…from last three months i have overdue ,,,right now i have urgent requirement of loan…what i have to do..every month nearly one lakh rotation is done from my account and that is salary account too….am i eligible for 10 secs loan offers….i need your reply very urgent,,,please understand and give best suggestion to do,,,thank you….


    Sir,first of all thanks a lot for providing this information,I’m interested in your premium service but I have asked some questions on this blog and on business money back card review blog,I’m a hdfc business money back card user recently i have received this card with a credit limit of 40k,I want know that i want activate insta jumbo loan and auto limit enhancement will this work for my card.
    Thanking you.

    1. Siddharth Post author

      Yes it will work on all HDFC cards.


        Ok,It includes both auto credit limit increase and how to avail insta jumbo loan..

          1. Navab

            Sir currently I am getting on hand 28k
            Which card they ll provide?

  12. Chinmay

    WIll the guide be useful for HDFC Jet Privilege Titanium Card?


    Is there any update is upcoming on premium content,if yes than earlier subscribers will get it for free.

    1. Siddharth Post author

      Yes, the updates on respective premium content will be free for lifetime.


    Thank you for providing this wonderful information,
    I have paid for the premium content,plz confirm that and I’m eagerly waiting for it.
    Thanking you.

    1. Siddharth Post author

      Check your email 🙂


    Thanks a lot man,
    I know i have disturbed you by mailing many times after taking your service and at that time i have no faith,now i truly a big fan of you,I got the insta loan quickly after one mouth of the card opening by you’re premium advise,it’s worth more than the price.
    Thank you for all.

  16. Harshal

    Hello Siddharth,
    I am a student who aspires to have a good credit : Amex, Diners Club, etc. My main usage is/will be spending on air tickets, etc.
    I have just completed my bachelors and I don’t do any job. I have joined my father’s business. Given this situation, how do I get those credit cards ?
    i) I don’t have a job
    ii) I am in a business (generating good enough revenue) which is on my uncle’s name. ( Family Buisness )
    And I want a credit card on my name, ( without FD and taking loans – just for sake of it, please),
    I want a card which can offer features like :
    i) Priority Pass Access
    ii) Card’s own lounge access
    iii) Airline travel miles which does not expire.
    iv) Offers/benefits on hotels

    Can you please help ?

  17. Abhishek Bhandari

    I’m Using HDFC REGALIA credit card from 2 months, in which i have limit of 1.5L so i want to apply for another credit card what will be the limit ill get ? approx !!

  18. Brij Mohan Sharma

    Sir I am Brij using HDFC bank titanium master credit card with limit 57k.last month I got a call from hdfc bank representatives that I will get insta jumbo loan offer by next month they suggest me to convert my payble amount into emi which I refused but till now insta jumbo loan offer has not been activated in my account I am using this card since nine month and never delay any payment till now….your precious reply is awaited

  19. Carl

    Hey Sid, how far can you go with the credit limit enhancement technique on hdfc cards.
    For instance, if I have a limit on hdfc card < 1 lac, can I get to something like 8 lac? And if yes, how fast?

    1. Siddharth Post author

      8L limit, i couldnt commit on that. But there are some readers who went as good as 7L. But again it takes years, atleast 3-4 years, provided the usage is that high as well.

  20. Maiyand Tyagi

    Hi Siddharth,

    Do you know the IT partner of HDFC? Or master mind behind the SmartEMI product?

  21. Ishan

    Hi Siddharth,
    I am a big fan of yours. You seem to have nailed the Credit Card industry dynamics very well.
    I have became a credit card freak reading all your blogs about so many highly rewarding credit cards.
    I am basically looking for some card which offer high reward rate. SC Ultimate feels a nice card to have.
    But I am not sure on how can I get it.
    I was having a MoneyBack Card which got upgraded to Regalia First with a limit of 1.8L.
    Although I feel this much limit is not enough when I try to apply for some premium cards.
    Can you suggest me some way.?
    Is there a way to get limit of this card increased above 3L in short duration? Or else some other way to get these cards.
    I am looking for one of the following cards :-
    1. Standard Chartered Ultimate Rewards
    2. Yes First Preferred Credit Card

  22. Himanshu

    “Utilization ratio <30% required for this to work."
    Seems like HDFC has made some recent changes in this criteria. I used up almost 95% of my credit limit recently and they offered auto LE within 2 days. Though they increased the limit by just 15% but it was for the first time they offered LE after the card setup date.

  23. Narinder Pal Singh

    Hi Sid,

    This trick still works? Should i proceed with the payment? I am currently having Regalia First with 2.60 L Limit and looking for limit enhancement and upgrade offer.

    1. Siddharth Post author

      Certainly does. Utilisation ratio got to be <20%

  24. Eashwar

    Hi Sid!

    First of all i would like to thank you & congratulate you on the great job you are doing.
    Your website has indeed helped me a lot in planning my expense & making the most out of the cards i have.
    I would like to get an insight in the following points:
    1. Does requesting for credit card upgrade (Say HDFC allmiles to Diners Premium) make HDFC go for an “Hard Inquiry” on my CIBIL score?
    2. Approximately How much is our CIBIL score affected when Banks go for an “Hard Inquiry” & how long does it take for us to makeup for the drop in score? (I’ve seen u mention many times to wait for atleast 6 months.. is it duration dependent?)
    Waiting for Your response.
    Until then Keep up the awesome work !! Cheers!

    1. Siddharth Post author

      1. Not with HDFC
      2. ~10 points / ~6 months . (has lot of factors in it though)

  25. Vinod Kannan

    Hi Siddharth!
    I have subscribed for this content just now. Hope to receive the mail soon. My primary need is to increase my Credit limit on HDFC Regalia which is currently only 1.8 L… I want to upgrade to Diners Black for which i need a better limit (>3L atleast).

  26. gautam acharyya

    I want a credit card where there are minimum or less or no interest/charges on cash advance till the due date.

    I would also like to know which credit card provide longest due date/grace period from date of statement generation.

    1. Ashish Nikhare

      RBL Bank Platinum Edge Supercard. One of its benefits are as follows –

      Emergency Advance:
      Convert up to your available cash limit into a Personal Loan for 3 months at no interest, once a year. (Processing fee of 2.5% applicable; min Rs.500)

  27. Surya

    Hi Sid,
    I’m from Erode, Tamilnadu. I have HDFC Diners Black card with 4L limit for the past 1 year. I have been utilising 98% every month but credit limit is not increased until now. How to go for LE?
    Please advice

    1. Kiran

      Hi surya,

      Send your latest ITR along with the online LE form to chennai, if their internal cretria meets definitely they would enchance the limit.

      Also using 98% of limit every month might be a reason they are not enhancing it. Using it around 30% of limit for 6 months should help.


    2. Points Guy India

      98% of 4,00,000 is 3,92,000, Are you saying that you are using 3,92,000 every month since last one year?

  28. Radhe

    I have HDFC credit card, and also have option of Insta Jumbo loan at my CC login page.
    how can I avail this Insta jumbo loan facility If I don’t have HDFC saving Account , I have only HDFC credit Card?

  29. Maha

    Hi Siddharth,

    I have paid for the premium content, but i didnt receive the article till now. Can you confirm on the same.

  30. Saurabh Barai

    Thanks for your valuable information regarding credit card,
    As I am new user of credit card and from last 30 days I am using HDFC credit card,
    I have three questions hope you will help me little bit,
    1. How can I convert offline purchase to EMI?
    2. Am I will be able to purchase on EMI from online shopping sites?
    3. Why HDFC smartEmi is not available for me?
    Hope you will find some time to answer my questions.
    Regards and thanks

  31. Rahul

    Dear Siddharth,

    I have been studying various blogs containing credit card information and I must say yours is the only one that talks sense, really a great effort made to understand how the system works!!

    Before going for your premium service I have a small query; I have 2 credit cards from HDFC (Business Moneyback with a limit of 67000 and Snapdeal with a limit of 5700) and I want to change money back to Diners Club miles. My ITR confirms my eligibility for the same, would subscribing to your service help me to upgrade both my cards.

    Kindly revert at the earliest.


Comments are closed.