{"id":4126,"date":"2024-08-16T11:55:20","date_gmt":"2024-08-16T11:55:20","guid":{"rendered":"https:\/\/jupiter.money\/blog\/?p=4126"},"modified":"2026-05-05T11:22:02","modified_gmt":"2026-05-05T11:22:02","slug":"loan-on-credit-card","status":"publish","type":"post","link":"https:\/\/jupiter.money\/blog\/loan-on-credit-card\/","title":{"rendered":"Loan on Credit Card \u2013 How to Apply &#038; Get Instant Cash"},"content":{"rendered":"<p> Credit cards let you buy things now and pay later. But sometimes you need extra cash beyond what you can spend on the card itself. That&#8217;s where a loan on your credit card comes in. It&#8217;s quick, doesn&#8217;t require collateral, and you can get it approved in minutes. Let&#8217;s explore how it works, who qualifies, and whether it&#8217;s the right move for your situation.<\/p>\n<h2>What is a loan on credit card?<\/h2>\n<p>A loan on a <a href=\"https:\/\/jupiter.money\/blog\/what-is-credit-card\/\">credit card<\/a> is similar to a personal loan. It is an unsecured loan, doesn&#8217;t require any collateral, and has a fixed tenure. The maximum loan amount is limited to the credit limit on the card, and the interest rate is lower than the credit card interest rates. Once the loan is approved, you will receive it either through a demand draft or in your account.<\/p>\n<p>Here are the key features:<\/p>\n<ul>\n<li><strong>Unsecured loans:<\/strong> Credit card loans are personal and unsecured loans. You don&#8217;t need collateral such as property or gold to apply.<\/li>\n<li><strong>Pre-approved:<\/strong> Most credit card loans come pre-approved. No additional documentation needed if you borrow within your credit card limit.<\/li>\n<li><strong>Repayment through EMI:<\/strong> Repay credit card loans in equated monthly instalments (EMI). Your EMIs get added to your credit card bill.<\/li>\n<li><strong>Limit on the loan amount:<\/strong> You can borrow up to your credit card limit. Some banks allow loans beyond this limit, but that requires extra paperwork and verification.<\/li>\n<\/ul>\n<h2>When should you take a loan against a credit card?<\/h2>\n<p>You might need a credit card loan for emergencies, home repairs, medical bills, or other urgent expenses. But you can&#8217;t just apply for one\u2014you&#8217;ll need to meet specific eligibility requirements.<\/p>\n<p>Here&#8217;s what you&#8217;ll need:<\/p>\n<ul>\n<li>Most banks offer credit card loans only to existing customers \u2014 meaning you already have an account with them.<\/li>\n<li>You must have a credit card to take a credit card loan.<\/li>\n<li>A good credit history matters. Banks typically lend to customers with solid credit scores.<\/li>\n<li>If you earn well, you can top up an existing credit card loan or qualify for a higher amount if you&#8217;re applying fresh.<\/li>\n<\/ul>\n<h2>Documents required to take a loan on credit card<\/h2>\n<p>Since you already submitted documents when you applied for your credit card, you won&#8217;t need to file anything new for the loan. However, here&#8217;s what the original credit card application requires:<\/p>\n<ul>\n<li>Passport size photographs<\/li>\n<li>Identity proof such as PAN Card, Aadhaar Card, voter ID, driving license or passport<\/li>\n<li>Address proof such as Aadhaar Card, utility bills, or driving license<\/li>\n<li>Payslips and office identity cards in case of employees<\/li>\n<li>Self-employed professionals require income tax returns from the last three years<\/li>\n<\/ul>\n<h2>How to apply for a loan on credit card?<\/h2>\n<p>Applying for a credit card loan is straightforward. You&#8217;ve got two options: go online through net banking or visit your bank branch. Most people choose online because it&#8217;s faster. Here&#8217;s how:<\/p>\n<ul>\n<li>Log in to your credit card provider&#8217;s net banking portal to get started.<\/li>\n<li>Find your credit card under the cards section and select the loan application option.<\/li>\n<li>Complete the application form and upload any documents your bank requires.<\/li>\n<\/ul>\n<p>The bank will verify your documents, and upon successful verification, you will get the loan amount in your account or get a demand draft.<\/p>\n<h2>Interest Rate, Fee and Charges for Loan on Credit Card<\/h2>\n<p>Interest rates and fees vary significantly across banks and depend on your creditworthiness. Here&#8217;s what you need to know:<\/p>\n<ul>\n<li><strong>Interest Rate Range:<\/strong> Loan rates typically fall between 12% to 20% p.a., depending on your credit score and card type (silver, gold, or platinum).<\/li>\n<li><strong>Processing Fee:<\/strong> Most banks charge 1% to 2.5% of the loan amount as a processing fee (minimum \u20b9200\u2013\u20b9500, maximum \u20b93,000).<\/li>\n<li><strong>Late Payment Charges:<\/strong> Missing EMI payments can incur penalties of \u20b9500+ plus GST, plus monthly interest charges up to 3.5% (42% p.a.).<\/li>\n<li><strong>Foreclosure Fee:<\/strong> Closing your loan early typically costs 1% to 3% of the outstanding principal.<\/li>\n<\/ul>\n<p><strong>Example:<\/strong> If you borrow \u20b950,000 on a loan at 15% p.a. for 12 months with a 2% processing fee, your monthly EMI would be approximately \u20b94,300, and you&#8217;d pay about \u20b93,600 in total interest. Processing fee of \u20b91,000 gets deducted upfront.<\/p>\n<h2>List of banks that provide loans against credit card<\/h2>\n<p>Almost all major banks offer credit card loans. Here are some popular options:<\/p>\n<ol>\n<li>State Bank of India \u2013 SBI Card Encash<\/li>\n<li>HDFC Bank \u2013 Insta Loan and Insta Jumbo Loan<\/li>\n<li>IndusInd Bank \u2013 Indus Easy Loan and Indus Easy EMI<\/li>\n<li>HSBC Bank \u2013 Instant Loan on Phone<\/li>\n<li>Kotak Mahindra Bank \u2013 Loan on Credit Card<\/li>\n<li>IDBI Bank \u2013 General Credit Card Loan<\/li>\n<\/ol>\n<p>Here are some of the banks with their loan on cards offerings &#8211;<\/p>\n<p><strong>Note:<\/strong> These are just for informational purposes only. The interest rates, offers, fees, and terms &amp; conditions might change\/ might be incorrect after publishing this data. Please check the official websites for detailed insights on this.<\/p>\n<h2>Comparison of few banks for loan on credit card<\/h2>\n<div class=\"responsive_table\">\n<table>\n<tbody>\n<tr class=\"sticky\">\n<td class=\"sticky\"><strong>Bank Name \/ Product Name<\/strong><\/td>\n<td><strong>Credit Limit<\/strong><\/td>\n<td><strong>Processing Fee Terms<\/strong><\/td>\n<td><strong>Interest Rate<\/strong><\/td>\n<td><strong>Late Payment Terms<\/strong><\/td>\n<td><strong> Fee<\/strong><\/td>\n<td><strong>Link for Details<\/strong><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>SBI Credit Card<br \/>\nEncash<\/strong><\/td>\n<td>Based on individual details<\/td>\n<td>A one-time processing fee of 2%, with a minimum of \u20b9499 and maximum of \u20b93,000.<\/td>\n<td>Interest rates range from 13.50% to 20.25% p.a., varying by credit score: Bureau score \u2264700 or unavailable: 18.25%\u201320.25% p.a. | Bureau score 700\u2013780: 15.75%\u201316.00% p.a. | Bureau score >780: 13.50%\u201315.00% p.a.<\/td>\n<td>Late payment fees and maximum credit charges of 3.5% p.m. (42% p.a.) for unsecured cards, 2.75% p.m. (33% p.a.) for secured cards.<\/td>\n<td>Foreclosure fee of 3% on the principal outstanding.<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.sbicard.com\/en\/personal\/benefits\/encash.page\" target=\"_blank\" rel=\"noopener\">Encash &#8211; Get instant cash| SBI Card<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>HDFC Bank &#8211; Insta Loan and Insta Jumbo Loan<\/strong><\/td>\n<td>Based on individual details<\/td>\n<td>Processing fee up to \u20b9999, determined by your eligibility or offer details.<\/td>\n<td>Insta Loan: 11.88%\u201322.32% p.a. | Jumbo Loan: 11.88%\u201321.96% p.a.<\/td>\n<td>Auto debit return penal charge of 2% on payment amount (minimum \u20b9450). Late payment penalty for missed or partial EMI: \u20b9500 plus GST.<\/td>\n<td>3% on the outstanding principal amount plus GST<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.hdfcbank.com\/personal\/borrow\/popular-loans\/loan-on-credit-card\" target=\"_blank\" rel=\"noopener\">HDFC Bank &#8211; Loan on Credit Card<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>IndusInd Bank &#8211; Indus Easy Loan<\/strong><\/td>\n<td>Based on individual details<\/td>\n<td>2.5% of the loan amount or Rs. 250, whichever is higher.<\/td>\n<td>Annual interest rate communicated at the time of your loan request.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.indusind.com\/in\/en\/personal\/loans\/loan-on-credit-cards.html\" target=\"_blank\" rel=\"noopener\">Loan on Credit Cards &#8211; IndusInd Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>HSBC &#8211; Loan on Phone<\/strong><\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>2.5% of the loan amount or Rs. 200, whichever is higher.<\/td>\n<td>Annual interest rate communicated at the time of your loan request.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>Foreclosure fee of 3% on outstanding principal, minimum \u20b9250.<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.hsbc.co.in\/credit-cards\/loan-on-phone\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.hsbc.co.in\/credit-cards\/loan-on-phone\/<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Kotak Mahindra Bank &#8211; Loan on Credit Card<\/strong><\/td>\n<td>Up to Rs. 15,00,000<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>12% to 25% per annum on reducing balance<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>3% on the outstanding principal amount.<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.kotak.com\/en\/personal-banking\/cards\/credit-cards\/credit-card-services\/personal-loan-on-credit-card\/features.html\" target=\"_blank\" rel=\"noopener\">Kotak Bank &#8211; Personal Loan on Credit Card<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>IDBI Bank General Credit Card Loan (IDBI GCC)<\/strong><\/td>\n<td>Minimum &#8211; Rs. 50,000<br \/>\nMaximum &#8211; Rs. 5,00,000<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td>Limited information available on official website; details depend on case-to-case basis.<\/td>\n<td><a class=\"in-cell-link\" href=\"https:\/\/www.idbibank.in\/general-credit-card-loan.aspx\" target=\"_blank\" rel=\"noopener\">IDBI Bank Geneal Credit Card Loan<\/a><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>ICICI Bank &#8211; Personal Loan on Credit Card<\/strong><\/td>\n<td>Maximum up to Rs. 20 Lakh.<\/td>\n<td>1% of total loan amount<\/td>\n<td>Starting from 14.99%<\/td>\n<td>Due amount ranges from 1.25% to 3.67% on total amount due.<\/td>\n<td>Up to 3%<\/td>\n<td>ICICI Bank &#8211; Personal Loan on Credit Card<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>Benefits of loan on credit card<\/h2>\n<ul>\n<li>You don&#8217;t need to file documents or pledge collateral to get a credit card loan.<\/li>\n<li>It&#8217;s a quick way to access instant cash when emergencies strike.<\/li>\n<li>Repay through easy EMIs that get billed directly to your credit card, so you can budget ahead.<\/li>\n<li>Credit cards let you withdraw cash, but interest runs as high as 36%. A loan against your card costs significantly less.<\/li>\n<li>Credit card loans offer flexible loan tenures.<\/li>\n<li>Most banks charge minimal processing fees for credit card loans.<\/li>\n<\/ul>\n<h2>Things to remember before taking a loan against a credit card<\/h2>\n<ul>\n<li>Good credit score is a must. You&#8217;ll only qualify for a credit card loan if your score is strong. Keep paying your EMIs and credit card bills on time to maintain it.<\/li>\n<li>Late payments hurt future borrowing. If you miss an instalment, banks will think twice before giving you another loan or top-up. Defaulters rarely get approved.<\/li>\n<li>EMI defaults hit harder than credit card defaults. A loan default damages your credit score far more than a credit card default. Miss even one EMI and your score drops significantly.<\/li>\n<li>Pick a tenure that works for you. Banks let you choose repayment tenure up to the maximum limit\u2014usually 24 months. Select what fits your budget.<\/li>\n<li>Pre-close anytime, but check the charges. You can settle your loan early without notice, but pre-closure fees apply as per bank rules. Read the fine print.<\/li>\n<li>Processing fees cut into your loan amount. Banks charge a processing fee to disburse the loan. A higher fee means less cash in hand, so compare banks and pick one with lower fees.<\/li>\n<\/ul>\n<h2>Conclusion<\/h2>\n<p>Credit cards are an easy way to get instant cash during emergencies. However, they are still in debt, and you still have to pay interest. Hence always be emergency ready by having an emergency fund that covers at least six months of your expenses. If your fund does not cover your emergency, go for a credit card loan. This way, you are reducing your total debt.<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Can we borrow money from a credit card?<\/h3>\n<p>Yes, you can definitely borrow money from a credit card through a loan or a cash withdrawal. A credit card loan has less interest compared to cash withdrawal.<\/p>\n<h3>Is it worth taking a loan on a credit card?<\/h3>\n<p>A credit card is a saviour if you require money urgently. However, nothing is better than having an emergency fund to help you in case of any emergency.<\/p>\n<h3>How much cash can I borrow from my credit card?<\/h3>\n<p>You can borrow 20%-40% of the total credit card limit as cash. So if your <a href=\"https:\/\/jupiter.money\/blog\/guide-to-credit-card-limit\/\">credit card limit<\/a> is Rs 50,000, you can get Rs 10,000 \u2013 Rs 20,000 as cash.<\/p>\n<h3>Can I transfer money from my credit card to my bank account?<\/h3>\n<p>Yes, you can transfer money from a credit card to a bank account using a cheque, NEFT, RTGS, or an ATM.<\/p>\n<h3>How do I qualify for a credit loan?<\/h3>\n<p>To get a credit card loan, you must have a credit card and a good credit score. Only then can you get a credit card loan.<\/p>\n<h3>Are credit cards expensive ways to borrow money?<\/h3>\n<p>Yes, credit cards can be an expensive way to borrow money. The interest on credit cards varies from bank to bank. They can go as high as 45% per annum for some banks. The interest on a credit card is charged only when you default on your payment. If you pay your bill within the grace period, you need not pay any interest. Credit cards can be a blessing if you use it properly. The reward points, and cashbacks will end up saving you more money than you intend to spend.<\/p>\n<h3>How much interest is charged if we withdraw cash from a credit card?<\/h3>\n<p>If you withdraw cash from your credit card, you can be charged interest up to 3.5% per month, which is around 42% per annum.<\/p>\n<h3>How can I withdraw money from my credit card without charges?<\/h3>\n<p>It is impossible to withdraw money from a credit card without charges. However, some banks allow you to withdraw cash without charges up to a certain limit. Check with your bank to see the limit on credit card cash withdrawal without charges. <\/p>\n","protected":false},"excerpt":{"rendered":"<p> Credit cards let you buy things now and pay later. But sometimes you need extra cash beyond what you can spend on the card itself. That&#8217;s where a loan on your credit card comes in. It&#8217;s quick, doesn&#8217;t require collateral, and you can get it approved in minutes. Let&#8217;s explore how it works, who qualifies, [&hellip;] <\/p>\n","protected":false},"author":4,"featured_media":4128,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-and-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan on a Credit Card - Benefits, Eligibility &amp; Application Process<\/title>\n<meta name=\"description\" content=\"Learn how to take a loan on credit card instantly. Check eligibility, required documents, interest rates, and application process with Jupiter.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jupiter.money\/blog\/loan-on-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan on a Credit Card - Benefits, Eligibility &amp; Application Process\" \/>\n<meta property=\"og:description\" content=\"Learn how to take a loan on credit card instantly. 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