Get ICICI credit card loan online up to Rs. 20 Lakhs for tenure up to 60 months. The Personal Loan Interest Rates are competitive and range from 14.99% to 15.99% p.a. Minimum documentation required and funds are transferred to the customer's account within 3 to 4 working days.
The loan against credit card ICICI is an added advantage and comes as a breather in times of acute financial crunch.
ICICI Bank offers four types of loans on Credit Card. These are:
With the facility of converting any purchase above Rs. 3,000 on Credit Card to equated monthly instalment (EMI) you can take your shopping to a new level. You can choose to repay the amount in 3, 6, 9 or 12 EMIs. The EMI will be added to your Credit Card statement in the immediate next billing cycle. The EMI amount along with GST will appear with the minimum payment due mentioned in your card statement.
For transactions done with the Credit Card online, you can opt for an instant EMI conversion wherever the option is available. ICICI Bank has a tie-up with several leading brands to ensure the best EMI deals. Now you can shop in full and pay in parts using the Instant EMI facility. Instant EMI facility gives you the advantage of hassle-free EMI conversion with flexible repayment tenure option. The EMI along with GST will be added to your Credit Card statement in the immediate next billing cycle.
A Personal Loan on ICICI Bank Credit Card (PLCC) can be your saviour when you are in dire need of funds. A quick hassle-free ICICI Bank credit card loan which involves no documentation is provided by the bank. The loan amount will be credited to your savings account within no time. Loan against Credit Card is nothing but an instant unsecured personal loan on credit card ICICI.
The outstanding balance of Non-ICICI Bank Credit Card can be transferred to ICICI Bank Credit Card and paid in easy instalments. You can transfer a balance up to 3 Lakhs on other Credit Cards and pay in 3 and 6 instalments. You can save the interest outgo by availing this balance transfer facility.
An ICICI Bank Credit Cardholder who avails any one of the above-mentioned ICICI loan against credit card can enjoy the following benefits:
The customers who satisfy the following criteria are eligible for a loan against ICICI credit card:
The following are the key features of the instant loan on ICICI credit card:
To apply for the ICICI Bank personal loan on credit card, a simple application process has to be followed.
You can either apply for the loan through Internet Banking, through ICICI Bank iMobile App or through Customer care.
You can request for the transaction to be converted to EMI if you have sufficient limit available in your ICICI Bank Credit Card. The EMI will be created and will be added to your immediate next billing cycle.
You can either give a missed call or SMS to the customer care number from your registered mobile number and request for a balance transfer. A representative of ICICI bank will give you a call back and help you through the process.
Once the loan is sanctioned the loan amount will be credited directly to your ICICI Bank Savings Account. For customers who do not have an ICICI Bank Savings Account, funds will be transferred vide NEFT or a Demand Draft will be issued to the customer. For NEFT the customer will have to send the scanned copy of the cancelled cheque or bank statement clearly mentioning the IFSC code by email for easy and smooth processing.
The EMI of the loan along with GST will be included in the statement of the next immediate billing cycle. It will be mentioned along with the minimum amount due in your card statement. You will have to pay the outstanding balance mentioned in the Credit Card statement or the minimum amount due on or before the due date mentioned in the card statement.
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Ahead of festival season, Kotak Mahindra Bank has announced Rs 999 flat processing fee offer on Personal Loans. Customers can avail of instant approvals on personal loan applications up to Rs. 20 Lakhs at lowest interest rate starting at 10.25% p.a for maximum of 5 years.
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A person holding an ICICI Bank Credit Card will be eligible for the ICICI instant loan on credit card. The payment of past Credit Card dues should have been made promptly on time and the credit score should be good.
There are four types of loans available on the ICICI Bank Credit Card:
You can apply for the ICICI credit card loan either through internet banking or ICICI mobile banking. You can also give a call or send SMS to ICICI Bank customer care from your registered mobile number. Thereafter you will get a call from the executive of ICICI Bank who will help you through the loan process.
The ICICI credit card loan proceeds will be credited to your ICICI Bank savings account. If you do not have an ICICI Bank savings account, proceeds will be transferred vide NEFT to the savings account of the other bank. For this, a cancelled cheque or bank statement mentioning IFSC code should be scanned and sent through email.
The ICICI Bank kisan credit card loan was launched by the Indian Government in August 1998 for India’s farmers. The aim of the Kisan Credit Card scheme is to ensure that Indian farmers have affordable access to short-term credit as they need funds for crop cultivation, harvesting, and maintenance of farms.