About Personal Loan on Credit Card

Personal Loan on Credit Card is a service through which ICICI Bank provides Loan to select ICICI Bank Credit Card customers based on their spends, transaction pattern and payment history.


Features of Personal Loan on Credit Card

  • Personal Loan amount up to ₹ 10 lakh
  • Flexible tenure of up to 60 months
  • Attractive Interest rates
  • Minimum documentation
  • No guarantor or Post-Dated Cheques required
  • Interest rates starting from 14.49%


Customers who have had a good track record with us with respect to their Credit Card spends, transaction pattern and Payment history become eligible for Personal Loan on Credit Card from time to time, depending on the internal policies of the bank.

Modes of Fund Transfer

  • Loan amount would be credited to your ICICI Bank Savings Account
  • For customers who do not have an ICICI Bank Savings Account, funds would be transferred via NEFT or Demand Draft would be issued to the customer. For NEFT, customer needs to send the scanned copy of cancelled cheque/ Bank Statement clearly mentioning the IFSC code to .

Time taken for Fund Transfer

Fund transfer to customer's account usually takes 3-4 working days. In case customer opts for a demand draft request, the same takes up to 7 working days to receive the draft.

To apply: