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HDFC Bank Insta Loan on Credit Card vs Olyv Personal Loan Compared

Which loan suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

HDFC Bank Insta Loan on Credit Card versus Olyv Personal Loan compared
FeatureHDFC Bank Insta Loan on Credit CardHDFC Bank Insta Loan on Credit CardHDFC Bank
Olyv Personal LoanOlyv Personal Loan
Loan identity
Loan typesamePersonalPersonal
Rate typeFixed-
Interest and amount
Interest rate from10.88%18%
Minimum amount-₹500
Maximum amount₹15,00,000₹5,00,000
Minimum tenure3 months2 months
Maximum tenure5 years2 years
Fees and charges
Processing feeUp to Rs 1,999 + GST (flat)2% to 15% of the loan amount
Prepayment chargesPre-closure 3% of outstanding principal + GSTForeclosure up to 4% + GST
Late payment charges-Penal interest up to 36% a year
Eligibility
Min monthly salary-₹15,000
Min age-21 years
Max age at maturity-45 years
Employment type-Both
Min credit score-680
Page content
EligibilitySelect HDFC Bank credit card holders only (the offer is pre-approved by the bank). The loan must fit within the available credit limit on the card; the loan amount is blocked on that limit and the cash limit becomes zero.Indian citizen, age 21 or older, salaried or self-employed with a steady income of Rs 15,000 or more a month, and no active loan on Olyv.
Documents neededNone. You need your registered mobile number and the last 4 digits of your HDFC Bank credit card.PAN card, Aadhaar-linked mobile number, and income proof such as bank statements or salary slips.
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