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Main Features of Loan on Credit Card

  •  

    Get Credit Card Loan upto

    ₹ 10 Lakhs

    Within 2 days

     

  •  

    Enjoy

    0.99%*

    Interest Rate Per Month.* T&C appl

  •  

    Flexible

    12-60 Months

    Repayment tenure options

     

Detailed Features of Loan Against Credit Card

Zero Documentation

Skip the hassle of providing multiple IDs! Avail a pre-approved cash loan against your entire credit card limit without the requirement of any additional documentation.

Instant Loan

Secure a loan of up to INR 10,00,000 instantly without any additional verification. Loan amounts above the credit card limit may be obtained on grounds of eligibility- Dial A Multiplier Loan (DML).

Easy Payment

Benefit from tenure options available from 12-60 months. Flexi-repayments on loans enable you to make payments as per your convenience within the loan tenure, even without EMIs.

Attractive Interest Rates

Enjoy ideal interest rates, as low as 0.99% per month, for loans taken on your Standard Chartered credit card.

Hassle-free Re-payment EMIs

Your loan EMIs are billed as part of your regular monthly credit card statement. Make payments seamlessly with no extra effort.

Convenient Processing

Skip the elaborate loan application procedures involved and get your loan instantly; no guarantors, post-dated cheques or standing instructions required.

Smooth Funds Transfer

Transfer the loan amount to your Standard Chartered savings account, or any other bank’s savings account by demand draft or in 2 days via NEFT.

Standard Chartered Credit Card

 

Choose from assortment of Credit Cards categorized into Cashback, Rewards & Travel.

DigiSmart Credit Card

 

Your one card for everything online. Enjoy year-round benefit on shopping, travel, food, and more.

Loan on Credit Card FAQs

Yes, you can apply for a loan on your credit card through various channels provided by the bank. These funds can be used for personal requirements only.

Apply for a loan on your credit card via:

The website

  • Click on the “Apply Now” button
  • Fill and submit the form with all your details.

Netbanking

  • Log into netbanking on the Standard Chartered website.
  • Go to “My Offers” sections
  • You will be shown all the eligible offers against your credit card
  • Click Avail Now against your ‘DIAL a loan’ offer to apply for a loan.

Mobile banking

  • Download the SC Mobile India app.
  • Log into the app with your credentials.
  • Go to My Offers sections
  • You will be shown all the eligible offers against your credit card
  • Click Avail Now against your ‘DIAL a loan’ offer to apply for loan.

Phone

  • Call our customer care number at 080 – 39401166/080 – 66011166
  • A loan on a credit card allows you to obtain funds based on your credit limit during emergencies at attractive interest rates starting from 0.99% p.m. without any documentation.
  • The funds are disbursed via NEFT in 2 days.
  • Repayments can be made easily at your own convenience within the repayment tenure period.
  • You can avail of multiple flexible tenure options ranging from 12 months to 60 months.

Since the credit history of the primary cardholder is the one considered for the eligibility of an add-on card, only they may apply for a credit card loan.

Standard Chartered does provide you with the ability to close your loan before the tenure with a minimal pre-closure fee of 4%.

The loan amount on your Standard Chartered credit card will depend on your available credit limit, but the bank can provide a higher amount at its discretion based on your credit history.

Standard Chartered provides select eligible clients within the credit limit loan – Dial A Flexi Repayment (DFR) option for fixed tenure with flexible repayment option.