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Loan on Credit Card

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

What is Loan on Credit Card?

Major banks generally provide the facility of loan on credit card on a pre-approval basis to select individuals after evaluating their past credit behaviour. The amount may be limited to the available limit on your credit card, but some issuers may also provide loans that exceed the available limit. Before availing a loan on a credit card, it is important to know about its features, benefits and potential drawbacks.

Features & Benefits of Credit Card Loan

Given below are some of the key features of a loan on a credit card:

  • Pre-approved Offers – A loan on credit card is extended to the existing cardholders after a thorough assessment of their credit profile and repayment behaviour. Loan eligibility and maximum eligible loan amount are communicated to the cardholders via SMS, email or WhatsApp.
  • Special Offers by Lenders - Lenders such as HDFC Bank offers multiple loan options against credit cards. Insta Loan and Jumbo Loan are some of the examples.
  • Quick Disbursal – Since these are generally pre-approved, loan disbursal is swift and hassle-free.
  • Loan beyond Available Credit Limit – Some banks may also offer loan on credit cards beyond the credit limit available on your card. The maximum eligible amount, however, depends on numerous factors like income, existing debt and the bank’s internal policies.
  • No Additional Documents – In most cases, there is no additional documentation required for pre-approved loans against credit cards.
  • No Collateral – No collateral is required to obtain funds through credit card loans; eligibility solely depends on the bank’s internal policies.
  • Tenure up to 5 years – Most banks offer loans against credit cards for a period of up to 60 months or even higher, depending on the lender’s policies.

Who is Eligible for a Loan Against Credit Card?

  • Existing credit cardholders who have consistently shown responsible repayment behaviour are more likely to be eligible for a loan on credit card.
  • From time to time, banks extend pre-approved loan offers to select individuals, but this could be available for a limited time only.
  • Cardholders who have not received any pre-approved offer for loan on credit card can consider speaking to their card issuer’s customer service helpline to check their eligibility for the same.
  • The final approval for loans against credit cards remains at the sole discretion of the issuer bank.

How to Apply for Credit Card Loan

Eligible cardholders can apply for a loan on credit card through net banking, mobile banking or through their bank’s mobile apps. Some banks also send pre-approved credit card loan offers via SMS and consumers can follow the link given in the SMS to apply.

While the process may vary from one card issuer to another, here are the general steps that you would have to follow to apply for loan against credit card.

  • Login to the net banking portal of your bank. You can also follow the link received on SMS to start the process.
  • Choose the loan amount and loan tenure, and check the EMI amount
  • If satisfied, proceed by providing other details
  • If required, provide necessary documents like ID proof, address proof and income proof
  • Authenticate with the OTP received

Once submitted, the bank will review your application and disburse the amount if satisfied. Mostly, in case of a pre-approved loan against credit card, additional documentation is not required, and the loan is disbursed immediately.

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Loan on Credit Card vs Personal Loan

Loan on credit card is a type of personal loan offered to existing credit cardholders who have consistently shown responsible credit behaviour. As compared to personal loans, the interest rate on loan against credit card can be slightly higher and the eligible loan amount could be comparatively lower. However, this may vary from one cardholder to another.

Here are some key differences between loan against credit card and personal loans:

Parameter Loan on Credit Card Personal Loan
Eligibility Credit Card is mandatory No credit card required
Interest Rate Starting at 0.99% p.m. Starting at 10.5% p.a.
Processing Fee 1-2% of the loan amount 0.5% to 4% of the loan amount
Loan Tenure Up to 60 months Up to 8 years
Disbursal Time Instantly in case of pre-approved loans; may take 4-5 business days otherwise Instantly in case of pre-approved loans; may take 7-10 business days otherwise
Documents Required Generally not needed if there’s pre-approved offer; else ID Proof, Address Proof and Income Proof Generally not needed if there’s pre-approved offer; else ID Proof, Address Proof and Income Proof

Documents Required

Usually, loan on credit cards are offered to select cardholders on a pre-approved basis. In such cases, no documents are required. However, the issuer may ask for certain documents on case-to-case basis. Here is an indicative list of documents:

Proof of Identity PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government-approved address proof
Proof of Income Latest one or 2 salary slips (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Top Banks/NBFCs Offering Loan on Credit Card

Almost all leading credit card issuers offer loans against credit cards to eligible consumers. Here are the details:

Bank Interest Rate Processing Fee
HDFC Bank Insta Jumbo Loan: starting 10.08% p.a. Insta Loan: 10.80% p.a. onwards NA
ICICI Bank Starting at 13% p.a. 1% of the loan amount
Axis Bank Average ROI of 16.35% 2% of the loan amount or Rs. 500, whichever is higher
SBI Card Communicated at the time of sourcing 2% (min. Rs. 499, max. Rs. 3,000)
IDFC FIRST Bank Communicated at the time of sourcing 2% of the loan amount or Rs. 499, whichever is higher
Kotak Mahindra Bank 12% to 25% p.a. Communicated at the time of sourcing
Standard Chartered Bank Starting at 0.99% p.m. 1-2% of the loan amount

Note: Interest rates for HDFC Bank and Axis Bank are shown for Q4 2025 (Jan ‘25 – Mar ‘25)

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

You can apply for a loan against your HDFC Bank credit card provided you have handled credit smartly in the past. You can apply for this loan directly through Paisabazaar as well.

Credit card loan, also known as loan against credit card, is offered to select credit cardholders, based on their credit limit, repayment behaviour, etc. Personal loans are available to individuals, irrespective of whether they hold a credit card. Loans against credit cards generally charge a higher interest rate than that on personal loans. In case of loan against cards, the loan amount may be limited to the existing credit limit. With personal loans, you may be eligible for a larger sum at a comparatively lower rate of interest.

If you have pre-approved offer for a loan on credit card, you can opt for the same from your respective bank’s net banking or mobile app. In most case, pre-approved loans are instantly approved and the amount is transferred to your bank account within a few minutes.

In case of pre-approved credit card loan, you may not be required to submit income proof but this may vary on case-to-case basis.

Banks set the eligible loan amount basis your credit limit, credit score, current liabilities and other internal factors.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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