HDB EMI Card facilitates instant loans to the customers of HDB Financial System (HDBFS). Customers can avail loan by swiping a OBOPAY network card at any Mastercard enabled POS terminal or by choosing to pay by card on the internet. HDB EMI Card checks ‘available loan limit’ of a customer with HDBFS in real time before it honours a transaction. This facility is available only for exisiting HDBFS customers who have taken a loan.