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Credit Cards

Why taking a personal loan on a credit card is a convenient option?

Suppose you have an urgent need for cash and you want to take a personal loan.
You will need to submit your income documents and a host of other documents, hope that the bank
you are applying to approves your loan and wait for a good 7-8 days before your loan gets disbursed.

Now think of an alternative: suppose you have an existing credit card with a 2 lakh credit limit.
You go to the bank and ask for a personal loan of 1 lakh. The bank approves it instantly, since you
already have a 2 lakh credit limit(which is higher than your loan requirement), and sends you
the amount you need in the next 2 days. Faster, isnt it?

This new financial innovation is called a loan on a credit card. In this, you can use your existing
credit card to take a loan from the bank that issued the credit card.

A large number of banks such as HDFC, ICICI, Citibank etc. have this product available with them.
If you have a credit card with either of these, you can apply for a loan on a credit card.
Advantages: It is much faster, and you do not have to worry about your application getting rejected.


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  • Mr. Anil Says

    Mr. Anil Says

    I was amazed by the quality of service offered by I was given a prompt call and made to understand the best options for my home loan. After my loan application, I was regularly updated by the team, resulting in a seamless home loan processing for me.

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