Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 IndusInd Bank Loan on Credit Cards

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.99% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    IndusInd Bank Loan on Credit Cards is Rated as "Pretty good" by 670 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    IndusInd Bank Credit Card Loans

    A specialised financing provided by IndusInd Bank that utilises the unutilised credit limit on an individual’s credit card to provide funds as per a loan. This loan is already pre-approved and all that the applicant has to do is to apply for the loan through the bank. The loan amount is by all means a personal loan which is much easier to apply for and allows fund availability within a week.

    Where can an IndusInd Bank Loan on Credit Cards be used?

    IndusInd Bank Loan on Credit Cards is quite versatile in its usability. The bank doesn’t impose many limitations on the loan. The loan adds on to the usage of the credit card, so EMIs payable come as a part of the minimum amount due per month on the credit card. The financing options available under this facility are –

    1. Indus Easy Loan – Liquid funds through loans based on credit limits
    2. Indus Easy EMI – Higher purchasing power managed through low EMIs

    Who can apply for IndusInd Bank Loan on Credit Cards?

    The loan provided can be availed specifically by all individuals who own credit cards issued by IndusInd Bank and have a sizable unused portion of their credit limit. Terms and conditions as well as age limits and income criteria as defined for credit cards will be applicable for this kind of loan.

    What are the loan limits?

    The loan amounts under the Loan on Credit Cards facility depend upon the unused credit limit of the applicant. As per the value of the unused credit limit, a loan amount can be issued that is within the credit limit of the applicant. In certain cases, IndusInd Bank might also allow a loan that exceeds the credit limit. The minimum amount of loan that can be availed through this facility is INR 5000.

    The loan applied can range within tenures of 6 months to 36 months and EMIs can also be made for as long as tenure depending upon the principal amount. Pre-closure can be done at any time by paying a small fee.

    Indusind Bank Personal Loan Offers

    What are the interest rates?

    Interest payable on IndusInd Bank Loan on Credit Cards varies as per the usage of the amount. The rates are based on the discretion of the bank, though as of November 2015, the rate is similar to the interest rate charged on the credit card, i.e. 46% per annum. In case loans approved are exceeding the credit limit, an over limit charge of 2.5% (subject to INR 300) will be imposed. Processing fees for such loans will be 2.5% of the loan amount (or INR 250), whichever is higher.

    What are the documents required for applying for IndusInd Bank Loan on Credit Cards?

    • Identity proof (Government approved – PAN Card, Passport, Voter ID) in case credit card is less than 9 months old
    • Address Proof (Rental agreement, Business establishment deeds, etc.) in case credit card is less than 9 months old
    • Signature proof
    • Application form through online means or physical branch

    How to apply for IndusInd Bank Loan on Credit Cards Financing

    This financing can be applied for online at IndusInd Bank’s website, by calling up the bank’s phone banking system or at any physical branch. One should possess the necessary documentation to be submitted at the time of applying for this financing option.

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  • IndusInd Bank Loan on Credit Cards Reviews

    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied Personal loan with Indusind bank but I haven't opted the loan, because there was no loan requirement at present , so that was the reason I have asked Indusind to close my personal loan application. The customer service was good with Indusind. The rate of interest is nominal with Indusind bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • IndusInd Bank Personal Loan
      "Service part has to be improved"
      0.5 2.0/5 "Expected more"
      Indusind executive did not come to my place to collect the documents, I got a call from them, they asked me to submit to the document to the particular location it very far around 15km from my location. Even I don't have time to go there, hence they have rejected my application. Indusind bank should provide convenient services too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • IndusInd Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have not got the call from the Indusind bank after the first call like I would like to say there were no continuous follow ups. I have seen the interest rate was around 13% to 14% as approximately and the bank is also good one. I would like to suggest that they need to make the follow up with the customer which is on an immediate basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • IndusInd Bank Personal Loan
      "Very Good service"
      0.5 3.0/5 "Satisfactory"
      The Indusind bank offered me the personal loan with the high interest rate, that was the reason I didn't opt the loan with Indusind. The customer service and the response was good with Indusind. The Indusind bank need to reduce the interest rate to gain more number of customers. It was a very good service given by Indusind bank.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 24, 2017
    • IndusInd Bank Personal Loan
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with Indusind Bank and the customer services are perfect. I got the loan without any delay and the documentation was also nominal. The executive came over and collected my papers and I got updates as well. Just that the bank is high on the interest rate and charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • IndusInd Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      Indusind is a client friendly bank, they had taken only three days to complete the entire loan process. I am an existing customer of Indusind hence documentation process was made simple. I had applied for the amount around 4.02 lakhs and it got disbursement to my account Rs. 4 lakhs, processing fee is also less when compared with CITI Bank.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2017
    • IndusInd Bank Personal Loan
      "Interest rate should be reduced"
      0.5 3.0/5 "Satisfactory"
      I changed my mind hence I didn't take loan from Indusind. I don't have any issues with them, but I felt their interest rate is too high, they was offering me 16 to 17% of interest and with high processing fee around Rs. 19,000 for 4 lakhs of loan amount.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • IndusInd Bank Personal Loan
      "Its Average"
      0.5 1.0/5 "Really Bad"
      Indusind executive did not respond well on the loan process, initially they have called me but not collected any documents and there was no response from the bank end. I am not happy with their service finally my loan application got rejected.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • IndusInd Bank Personal Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      Indusind bank was very responsive when I approached them for the personal loan. But my housing loan is already running with other bank and 50% of my salary will be debited for the same. Hence the bank could not provide the loan. But I got excellent service from Indusind bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      Initially INDUSIND was ready to offer me the loan for 18% and finally after the bargain they had offered 12% interest rate, which is very best interest rate which I got from Indusind. They took around 10 days to disburse my personal loan. The customer service and the response was good with INDUS IND. What ever loan amount I had applied, I had got it from Indusind bank, so I am happy with the loan amount too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 17, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The process was good with INDUS IND in concern to my personal loan application. They took around 1 week to disburse my loan. The rate of interest is high when compared with other banks. Initially they told 18% after bargaining I got the loan for 15 % as the interest rate. I am happy about the loan amount, but I am not satisfied with the interest rate offered by them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 17, 2017
    • IndusInd Bank Personal Loan
      "Good Response"
      0.5 3.5/5 "Pretty good"
      I made an inquiry with Indusind bank for the personal loan. Even I applied for the loan as well. They promptly responded for my loan application. I had received call from Indusind and they were asking form 16 for further process but I do not have form 16 so I just dropped my plan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "Better Service"
      0.5 5.0/5 "Blown Away!"
      Indusind Bank was ready to provide the personal loan for five to six lakhs. Actually I requirement was ten lakhs but the bank offered only six lakhs. Hence I could not continue the loan process with Indusind. But I had received good response from the bank when I applied for the loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "No Response"
      0.5 2.0/5 "Expected more"
      I had applied for the personal loan with Indusind bank. Actually I approached this bank through online source. But I did not receive any kind of response from the bank. They never contacted me on my application but closed it without processing.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "Hassle free experience"
      0.5 5.0/5 "Blown Away!"
      The bank service was very good, they are very cooperative. I approached Indusind bank for the personal loan for my daughter studies, Their people involved and helped to get the loan faster before the time. Interest is also nominal they gave break up of the rates, that good.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "Inconvenient service"
      0.5 1.0/5 "Really Bad"
      I had many issues with Indusind, they didn't come to collect the documents from my place they ask me to visit to the bank. Then they did lot of verification finally they have rejected my personal loan application without giving any information. Because of this issue my credit score gone down but still they didn't return my documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI Bank is doing good in terms of personal loan They provided the funds to me on the date I required it and the funds disbursed was also to my expectations. I had applied for 2 lakhs rupees loan and received 1.6 lakhs Rate of interest they have offered is 14% and the processing fee is 1% of the loan amount.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 03, 2017
    • IndusInd Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am very happy with Indusind service, I went to direct bank and got the disbursement. My loan amount was Rs.3.5 lakhs for the tenure of the four years. They gave me fixed interest rate of 15.5% and they provided balance transfer its good. I am very satisfied with their service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 02, 2017
    • IndusInd Bank Personal Loan
      "Be more flexible in the document process"
      0.5 2.0/5 "Expected more"
      Indusind Bank was not flexible on the documentation part for the personal loan. They were wanting the offer letter of the earlier company and not the current company. I do not think it is required. They could have accepted my experience letter at least.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 02, 2017
    • IndusInd Bank Personal Loan
      "Its Fine"
      0.5 3.0/5 "Satisfactory"
      My application was rejected by Indusind, they told me that I had applied for the loan through another different bank as well. Hence they had rejected the application but Indusind response is good, they helped me on my queries. Even interest rate is very much nominal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 02, 2017
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