Loan on Credit Card

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Loan on Credit Card from 9.99% p.a. – Compare 50+ Banks & NBFCs

Many banks let you convert part of your credit limit into a loan with a fixed EMI, usually pre-approved and instant. Free eligibility check, offers from 50+ lenders.

Check Eligibility & Apply → 💬 WhatsApp Us

9.99%

Interest Rate p.a. onwards

₹5 Cr

Maximum Loan Amount

7 Yrs

Maximum Tenure

12 hrs

Avg. Approval Time

Why Choose Us

Everything You Need for a Loan on Credit Card

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Competitive Interest Rates

Rates from 9.99% p.a. We compare 50+ lenders to find the lowest rate for your profile.

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Quick Approval

Approval in about 12 hrs for eligible applicants, with digital KYC.

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Minimal Paperwork

A short document list and online application, no running around.

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50+ Lenders

Banks and NBFCs compared side by side, so you pick the best offer.

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Transparent Charges

Know the processing fee, prepayment and foreclosure charges before you commit.

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Expert Guidance

A loan expert calls you within 30 minutes and helps you through approval.

Requirements

Eligibility & Documents

✅ Eligibility Criteria

Age 21–60 years (at loan maturity)
Minimum net monthly income of ₹20,000–₹25,000 (varies by city and lender)
CIBIL score of 700+ preferred; select NBFCs consider 600+
At least 6–12 months in current job (salaried) or 2 years of business vintage (self-employed)
Indian resident with valid KYC

📄 Documents Required

PAN Card & Aadhaar Card
Latest 3 months' salary slips / last 2 years ITR (self-employed)
Last 3–6 months' bank statements
Address proof and recent photograph
Company ID card / office address proof (salaried)

About

All About Loan on Credit Card

Many banks let you convert part of your credit limit into a loan with a fixed EMI, usually pre-approved and instant. It is handy for urgent needs but rates can be higher than a regular personal loan, so compare first.

Instant pre-approved offer via your card issuer
Fixed EMI of 6–60 months
Compare against a regular personal loan before accepting

How to get a Loan on Credit Card

Apply online by sharing a few basic details.
Compare offers from 50+ banks and NBFCs through our expert.
Complete digital KYC and upload documents.
Get approved and receive funds in your bank account.

Our Partners

50+ Banks & NBFCs

FAQs

Frequently Asked Questions

What is a Loan on Credit Card? ▾

What is the interest rate on a Loan on Credit Card? ▾

Rates start from 9.99% p.a. and vary by lender, loan amount, tenure, income and CIBIL score. After a quick eligibility check we show you the best offers for your profile from 50+ banks and NBFCs.

What documents are needed for a Loan on Credit Card? ▾

Typically pan card & aadhaar card, latest 3 months' salary slips / last 2 years itr (self-employed), last 3–6 months' bank statements, address proof and recent photograph. The exact list depends on the lender and your profile.

How do I apply for a Loan on Credit Card on CibilBazaar? ▾

Fill the short application form, and our loan expert will call you within 30 minutes with the best offers. You compare, choose and complete KYC digitally. The service is free for borrowers.

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