💳 CREDIT CARD LOAN
Instant Loan on Your Credit Card with Zero Paperwork
Convert your credit limit into an instant loan with fixed EMIs, quick approval, and full digital processing.
Instant Conversion
Convert your available credit limit into an instant loan within seconds using mobile banking.
Lower EMI Compared to Cash Withdrawal
Credit card loans offer lower interest & zero ATM withdrawal charges, unlike cash advances.
Flexible Repayment Plans
Choose EMI tenure from 6 to 60 months based on your comfort and cash flow.
📌 Eligibility Criteria
Available only for eligible cardholders:
- Must hold an active credit card
- Loan amount depends on available credit limit
- No recent missed payments or defaults
- Good transaction history improves eligibility
- Mobile banking / net banking access needed
📁 Required Documents
- No documents required
- KYC already verified via credit card issuer
- Loan approved digitally through issuer app
- Zero paperwork, zero branch visit
💰 Interest Rate & Loan Details
Rates vary by bank and credit profile:
- Loan amount: Based on available limit
- Interest rate: 12% – 24% annually
- Tenure: 6 – 60 months
- Processing fee: 0% – 2%
- Instant approval & immediate disbursement
⚙️ How the Process Works
- Open your credit card app / net banking
- Check “Loan on Credit Card / Insta Loan” option
- Select loan amount & tenure
- Accept the offer & confirm OTP
- Money is credited instantly to your bank account
