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You should have:

  • A good payment history & transaction pattern
  • A good track record with us with respect to you Credit Card spends

Decision depending on the internal policies of the bank.

To Apply:

  • Login to your Internet Banking Account or iMobile and apply in Credit Card section
  • Call our customer care
  • To apply give a missed call on 08045936070
  • 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

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

ICICI Bank provides Personal Loans to its customers based on their spending, transaction patterns and payment history on their credit card. With minimum documentation, you can avail a Personal Loan of upto Rs 20 lakhs at an attractive interest rate starting from 14.99% and flexible tenure of upto 60 months. Once your request is approved, the loan amount is credited to your ICICI Bank Savings Account. If you do not have a Savings Account with ICICI Bank, it will then be transferred through NEFT or Demand Draft to an account of your choice

Not Sure About Which Credit Card ?

Choose the best Credit Card for you that suits your needs. ICICI Bank Credit Cards offer a host of benefits and offers to cater to your needs.



Coral Credit Card


Manchester United Signature Credit Card


MakeMyTrip ICICI Bank Signature Credit Card

HPCL Credit Card

Popular FAQs

Yes, you can get a personal loan on your credit card, subject to certain terms and conditions

A credit card loan can be helpful for short-term financial needs, but managing repayments responsibly is essential.

A credit card loan's risks include high-interest rates, potential debt accumulation, and adverse impacts on credit score if not repaid promptly.

Loan on a Credit Card, often known as a Credit Card Loan permits cardholders to access a portion of their card's credit limit as a loan, which can be repaid in instalments, making it a convenient financial solution. 

Different types of loans on Credit Card include Instant Loans, Balance Transfer Loans and Loans against your Credit Card's Limit. They offer flexibility and quick access to funds. 

Loan interest rates and tenures can vary but they generally have shorter tenures and somewhat higher interest rates compared to traditional Personal Loans

Yes, paying Personal Loan EMI with your Credit Card is possible. However, this may incur Processing Fees and interest. So, it is essential to understand the terms and conditions before proceeding.