How do I know if I am eligible for the loan against credit card facility?

The eligibility criteria to opt for a loan against credit card , you must have a good credit score along with holding an Axis Bank credit card and maintaining a minimum amount in your savings account.

What is the processing fee for the loan against credit card?

Axis Bank charges a processing fee of 1.5% of the loan amount or Rs.500 for the facility depending on which is higher.

Are there any foreclosure charges on the loan against credit card?

Yes, Axis Bank will charge 3% of the outstanding amount or Rs.300, whichever is higher, if you choose to foreclose the loan against your credit card.

What are the tenure options available for the loan against credit card?

The tenure for the loan against credit card facility by Axis Bank ranges from 12 months to 48 months.

Loan on Axis Bank Credit Card

Instant loans are sanctioned against Axis Bank credit cards to help customers meet their financial needs in times of emergencies. These loans are granted with minimal documentation and comes with flexible tenure options. This facility allows cardholders to use their credit card to apply for a loan without any hassle.

Updated On - 13 Sep 2025

Features and Benefits of Loan on Axis Bank Credit Card

Needs minimal documentation
Faster processing time
The loan amount applied for is directly credited to the savings account of the customer
Reasonable interest rates offered
Flexible tenure options
The bank will take a decision whether to grant a loan within the credit limit of the card or above the same
The credit card calculator will be used to know the monthly loan installment amount including the processing fee, rate of interest and other charges

Eligibility Criteria for Axis Bank Credit Card Loans

Axis Bank customer with a good credit history
The applicant should hold an Axis Bank credit card
The customer should also have a minimum amount in their savings account

How to Apply for Loan Against Axis Bank Credit Card

Step 1: Log in to your Axis Bank internet banking account by providing your username and password
Step 2: Go to the home page and click on the 'loan against credit card' option
Step 3: Fill in relevant details such as amount required and tenure, etc.
Step 4: The loan amount will be credited to the savings bank account

Please Note: Loans can also be availed by calling the Axis Bank customer care division

Processing Charges and Interest Rates of Axis Bank Credit Card Loans

Type of Charge	Rate/fee
Processing fee	Rs.500 or 1.5% (whichever is higher)
Foreclosure charges	3% of outstanding principal or Rs.300, whichever is higher

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Repayment Of Loan?

The loan availed can be repaid monthly in the form of EMIs. The loan amount will be added to the customers monthly credit card statement.
The loan installment is basically added to the credit card bill for each billing cycle

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FAQs About Loan on Axis Bank Credit Card

How do I know if I am eligible for the loan against credit card facility?
The eligibility criteria to opt for a loan against credit card, you must have a good credit score along with holding an Axis Bank credit card and maintaining a minimum amount in your savings account.
What is the processing fee for the loan against credit card?
Axis Bank charges a processing fee of 1.5% of the loan amount or Rs.500 for the facility depending on which is higher.
Are there any foreclosure charges on the loan against credit card?
Yes, Axis Bank will charge 3% of the outstanding amount or Rs.300, whichever is higher, if you choose to foreclose the loan against your credit card.
What are the tenure options available for the loan against credit card?
The tenure for the loan against credit card facility by Axis Bank ranges from 12 months to 48 months.

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