LOAN ON CREDIT CARD
Loan on Credit Card. Turn your limit into cash.
Convert the unused limit on your credit card into an instant loan of ₹25,000 to ₹10 Lakh at 12% p.a. onwards. No documents, no branch visit, money in your bank account within hours.
Why choose us
Why choose Loan on Credit Card?
Money in hours
Pre-approved on your card. Disbursed same day.
Zero documentation
No salary slips, no bank statements.
Far cheaper than card dues
12–24% p.a. vs 36–42% on revolving credit.
Fixed EMI up to 5 years
Predictable monthly repayment on your card statement.
Run the numbers
Loan on Credit Card EMI
Loan amount
₹2 L
₹25K₹10 L
Tenure
2y
6 mo5y
Interest rate
12.00%
12.00%24.00%
Monthly EMI
₹9,415
Total interest
₹26K
Total payable
₹2.3 L
Principal vs Interest breakdown
Principal ₹2 LInterest ₹26K
Eligibility CheckWondering if
Wondering if
you qualify?
Apply in 2 minutes to see personalised Loan on Credit Card offers — zero CIBIL impact, no documents needed.
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Eligibility check
Criteria to qualify
Card Vintage
Credit card active for 6+ months
Repayment History
No missed payments in the last 12 months
Available Limit
Loan is carved out of or offered over your card limit
Age
21 – 60 years
CIBIL Score
700+ for pre-approved offers
Key advantages
Loan on Credit Card benefits & features
Instant, Paperless Approval
The bank already knows you. Accept the pre-approved offer via app or SMS and get funds the same day.
A Third of Revolving Interest
Card dues cost 3–3.5% per month. A loan on card at 1–2% per month cuts your interest bill dramatically.
Convert Big Spends to EMI
Split a large purchase or an outstanding balance into easy EMIs of 6 to 60 months.
Loan Over and Above Limit
Many issuers offer the loan without blocking your limit, so your card remains usable.
One Statement, One Payment
The EMI is added to your monthly card bill. No separate loan account to track.
No Collateral or Guarantor
Purely based on your card usage and repayment record.
Documents required
- No documents for pre-approved offers
- PAN card (if not already updated with the issuer)
- Cancelled cheque or bank details for disbursal
Loan on Credit Card FAQs
It depends on the issuer. "Within limit" loans block an equal amount of your limit until repaid. "Over limit" loans are sanctioned separately and leave your card limit untouched. We tell you which one each offer is.