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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
Attractive Interest rates between 14.99% - 15.99%
Flexible tenure of up to 60 months
Minimum Documentation
Personal Loan Amount of up to Rs 20 Lakh
14,300+ ATMs all over India
No guarantor or Post-Dated Cheques required
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 cashin@icicibank.com
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.
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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.
