Top 10 Best Credit Card Loans in 2025
Credit card loans have become a popular financial tool for those who need instant access to funds without the hassle of traditional personal loans. These loans, often offered as pre-approved amounts on your credit card, combine the convenience of credit cards with the flexibility of personal loans. Here are the top 10 best credit card loans in 2025:
1. HDFC Insta Loan
HDFC Bank offers an Insta Loan facility against your credit card limit. The amount is instantly disbursed to your account and can be repaid in flexible EMIs.
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Interest Rate: Starts at 11.25% p.a.
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Tenure: 6 to 48 months
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Highlights: Instant processing, minimal documentation, no collateral.
2. SBI Encash
SBI Card’s Encash feature allows cardholders to get a loan over and above the credit limit or within it, based on eligibility.
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Interest Rate: From 13% p.a.
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Tenure: 12 to 60 months
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Highlights: Online application, pre-approved amount, flexible EMI options.
3. Axis Bank Insta Loan
Axis Bank provides instant loans to eligible credit card customers. The loan is transferred to your bank account quickly.
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Interest Rate: Starting from 13.5% p.a.
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Tenure: 6 to 24 months
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Highlights: Easy approval, no need to use card limit.
4. ICICI Bank Instant Loan on Credit Card
ICICI’s instant loan allows cardholders to convert their credit limit into a personal loan with attractive terms.
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Interest Rate: Starts at 12.99% p.a.
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Tenure: 3 to 60 months
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Highlights: Fast disbursal, minimal documentation, online application.
5. Citibank Quick Cash Loan
Citibank offers Quick Cash, a loan facility on your credit card with fast approval and repayment in EMIs.
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Interest Rate: Varies by profile
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Tenure: Up to 48 months
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Highlights: Up to full credit limit usage, no documents needed.
6. HSBC Bank Credit Card Loan
HSBC offers a credit card loan that can be availed online or through customer service channels.
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Interest Rate: Competitive, based on credit profile
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Tenure: 6 to 24 months
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Highlights: Fast processing, easy EMI plans.
7. RBL Bank Dial for Cash
RBL Bank’s “Dial for Cash” facility allows credit card users to get an instant loan, even beyond the card limit.
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Interest Rate: From 14% p.a.
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Tenure: Up to 36 months
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Highlights: Personalized offers, direct bank transfer.
8. Kotak Mahindra Credit Card Loan
Kotak offers personal loans on credit cards to eligible customers, with zero paperwork.
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Interest Rate: From 10.99% p.a.
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Tenure: 6 to 36 months
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Highlights: Pre-approved loan, instant credit to bank.
9. Standard Chartered Loan on Card
Standard Chartered Bank allows cardholders to get a loan against their card’s limit and repay in easy EMIs.
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Interest Rate: Based on credit history
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Tenure: 12 to 60 months
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Highlights: No documentation, attractive terms.
10. American Express EMI Loan Facility
American Express provides its cardholders the option to convert purchases or get a loan against the credit limit.
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Interest Rate: Dynamic, based on user profile
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Tenure: Up to 36 months
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Highlights: High approval rate, quick disbursal.
Conclusion
Credit card loans are a great option for those who need quick funds without the wait time of traditional personal loans. They come with flexible EMIs, instant disbursal, and don’t require additional documentation or collateral. However, interest rates vary depending on your credit score and history, so it’s wise to compare options before applying. Always ensure timely repayment to avoid additional charges and maintain a healthy credit.
