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Balance Transfer

A balance transfer, put simply, means moving what you owe from one bank to another, on a credit card or a personal loan, to land a lower rate or an easier repayment schedule. HDFC offers this through two separate facilities that work differently: one converts your own HDFC card dues into an EMI, the other brings in a personal loan from elsewhere entirely. Understanding which one applies to you matters before you proceed.

By Mohit Juneja | 12 August 2026

Balance Transfer

ICICI Credit Card Balance Transfer lets you move outstanding dues from another bank's credit card onto your ICICI card at a lower interest rate for a fixed EMI period. You can transfer up to ₹3 lakh if you meet ICICI's eligibility criteria. It does not clear your debt, it changes who you owe and on what terms.

By Mohit Juneja | 12 August 2026

Balance Transfer

RBL bank credit card balance transfer moves the outstanding dues from any other bank's credit card onto an RBL card, then repays that amount as a fixed EMI at a lower rate. The interest isn't charged on the full original amount for the whole tenure. It's calculated on a reducing balance, so what you owe drops each month and the interest charged drops with it. Eligibility comes down to three things: being the primary cardholder, a clean repayment record, and enough available credit limit to fit the transfer.

By Mohit Juneja | 12 August 2026