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Loan on Credit Card Apply Online in India

  • max loan amount personal loan
    Max Loan Amount
    Upto ₹40 Lakhs
  • Maximum tenure
    Max Loan Tenure
    Upto 84 months*
  • lower interest rates
    Lower Interest Rates
    Starting from 11% p.a.
personal loan
INR 500 /-
Web Online CA Fee
19-Mar-2026
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Web Online CA is the largest and most trusted digital services platform

Get Instant Loan on Credit Card

  • By Web Online CA
  • 3 min read
  • Updated On 31-January-2026

Get Instant Loan on Credit Card

Get Instant Loan of upto ₹15 lakh* on your Credit Card when you have a financial requirement for business expansion, child's higher studies, long-awaited holiday, home improvements, wedding or medical emergency. A personal loan is type of credit facility which is offered by banks with minimal documentation and no collateral.

Credit Card Loan Fees and Interest Rates

Interest rate: The interest rate is decided by the bank based starting at just 13% with a flexible repayment tenure of up to 60 months. The interest rate based on multiple factors, including your credit profile.

Processing fee: A one-time processing fee of 1% of the loan amount, one of the lowest in the market.

Foreclosure fee: If you choose to foreclose the loan, you can call Bank PhoneBanking or Relationship Manager to close the loan at any time you wish . The Foreclosure fee of 3% of the outstanding principal plus GST, will be charged.

Loan on Credit Card Eligibility Criteria

Credit Score: A good bureau score and payment history improves your chances of approval.

Nationality: Resident Indian.

Employement: Employees of public and private limited companies.

Note: The decision depends on the internal policies of the Bank.

Loan on Credit Card Documentation

No documentation is required.

Benefits and Features Of Loan On Credit Card

Instant Approval: 100% Digital and Quick Process for your financial goals.

Zero documentation: No documentation is required.

No hidden charges: Complete transparency process with no hidden charges.

Low interest rates: Get Instant Loan on Credit Card upto Rs. 18 lakh @ 13%* p.a.

Maximum tenure: Apply Loan online with a Maximum tenure of upto 60 months.

Frequently Asked Questions

A personal loan is an unsecured loan and type of credit facility which is offered by banks with minimal documentation and no collateral. These online loans are provided based on eligibility criteria such as employment status, credit history, income level, repayment history and capacity. Personal loan used for a variety of purposes such as medical emergency, a home renovation, wedding and managing your expenses.

Personal loans given by banks or lenders for personal use with minimal documentation and an easy loan application process. You repay with interest over a set period through EMIs.

The maximum loan amount based on individual eligibility, income, credit score, and lender policies.

You can use a Loan EMI calculator to compute the monthly installment that suits your budget. You only need to enter the amount you want to borrow, the interest rate, and the tenure to get an estimate of the monthly installment EMI.

Yes, you can make overdue payments online with Internet Banking, any UPI App or Mobile Banking.

Yes, Personal loan is an unsecured loan. It is provided without security with higher interest rates. You do not need to pledge collateral such as property or gold to get a personal loan.

You need to submit any documents Passport, Driving license, PAN Card, Aadhaar Card, Voters Id with Bank Statements and last 3 month Salary Slips.

The Ideal CIBIL Score of 750 and above is required to get instant paperless approval for the best personal loan, it may differ from lender to lender.
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