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
    12% - 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 701 Users

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    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN
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    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.

    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
      "Average"
      0.5 2.0/5 "Expected more"
      Indusind bank actually did not handle the personal loan process well. It was not okay, I was told three working days before taking the loan. Finally it took ten days. Before I could submit the paper work, I received calls every day asking me when the executive could come to collect it. After I gave the documents, there were no calls and I had to follow up. Finally, I came to a stage where I said I do not want the loan. The interest rate and charges are not that great. The tenure is for two years.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • IndusInd Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The Indus Ind bank customer service told that my profile haven't met their loan eligibility criteria., The service which was given by Indus ind was good,. The rate of interest was high when compared with HDB financial service. I got an average service from Indus ind bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 18, 2017
    • IndusInd Bank Personal Loan
      "Simply Good"
      0.5 5.0/5 "Blown Away!"
      Indusind bank had processed my loan application properly. I am satisfied with the interest rate and their involvement was really good during the process. I got the personal loan without any hassles from the bank side. In all it is simply good.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • IndusInd Bank Personal Loan
      "Hassle free and customer friendly"
      0.5 5.0/5 "Blown Away!"
      I had very good experience with Indusind, they have processed the personal loan within a week, Documentation process was quite good. Interest rate was also nominal as per other banks. Service is also extra ordinary within the time limit they done the process.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • IndusInd Bank Personal Loan
      "Not Interested"
      0.5 1.0/5 "Really Bad"
      Same thing happend to me when I applied for the personal loan with Indusind bank. First time when I applied for the credit card, I had received no response from the bank. I thought they would respond me this time for the personal loan but again got no response. Totally disappointed and not interested in Indusind bank anymore.
      Was this review helpful? 0
      , indore
      Reviewed on Aug 17, 2017
    • IndusInd Bank Personal Loan
      "DISSATISFIED"
      0.5 2.0/5 "Expected more"
      Indus ind Bank was not flexible on the documentation part for the personal loan the bank demanded certain documents which I had already submitted via online. First of all I applied for 65 thousand they have charged 2500 as processing fee and charge and after applying the loan it got delayed very much and I received the same after three weeks of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • IndusInd Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      Personal loan process was bit delayed from Indusind bank. As per the norms the loan process should be completed in three to four days but they took nearly ten to eleven days for the completion. Customer service is a kind of ok. And overall the service is average.
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 14, 2017
    • IndusInd Bank Personal Loan
      "Its Average"
      0.5 4.0/5 "Great!"
      I had planned to take personal loan for my marriage but it got postponed, hence I am planning to take the loan later from Indusind bank. But I was not happy with them, as they insisted me to take personal loan from them however I am not fine with that part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 11, 2017
    • IndusInd Bank Personal Loan
      "Nice Service"
      0.5 4.0/5 "Great!"
      When I was planning to get the personal loan, first I approached HDFC bank through online source but the bank services are not satisfactory. Therefore I directly approached Indusind bank and I got the loan too. The rate of interest is lower than the other bank which is of 11%. Moreover I had received the loan on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 11, 2017
    • IndusInd Bank Personal Loan
      "Loan process should be flexible"
      0.5 3.0/5 "Satisfactory"
      My salary criteria was not met with Indusind bank norms, Finally I got a call from them, they said I am not eligible to take loan from them. Because I was getting salary of Rs.25,000 its not sufficient to take 1 lakh. Hence I dropped the plan to avail from it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 10, 2017
    • IndusInd Bank Personal Loan
      "Its okay"
      0.5 4.0/5 "Great!"
      Nothing much to talk about INDUSIND due to cibil issues I was unable to take the personal loan. Unable to recall the service offered by INDUSIND because it happened some time back. I am happy with the interest rate and processing fee charged by them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 08, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      Indusind bank has disbursed my personal loan within 8 days of time. The customer service and the response with Indusind is good. The rate of interest is 12% Compare to other banks it is normal. The required loan amount was disbursed on time and I am happy in fact with the loan amount offered by them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 07, 2017
    • IndusInd Bank Personal Loan
      "Charges are high"
      0.5 5.0/5 "Blown Away!"
      I had received a fair service from Indusind bank for the personal loan. Interest rate is ok but they did not reduce it, they could have been reduced. Also the foreclosure charges are high so it should be reduced. Other than that, I never interacted with customer support executive. Overall process went good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 05, 2017
    • IndusInd Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Compared to other banks the Interest rate is reasonable with Indus ind Personal loan concern but the processing fee is very less when compared with other banks. Within 2 weeks of time they have disbursed my personal loan. The customer service and the response is very good with Indus ind bank . I am satisfied and happy about the loan amount.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 03, 2017
    • IndusInd Bank Personal Loan
      "Fantastic"
      0.5 4.0/5 "Great!"
      My experience was really nice with the Indusind bank for the personal loan. The loan amount got disbursed within seven days of time. Response is a fine one and the processing charges got waived off, but it is inclusive of insurance amount too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 02, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Indusind bank has disbursed my personal loan within 8 to 10 days of time. The customer service and the response with Indusind is good. The rate of interest is high when compared with others. The required loan amount was disbursed on time and I am happy in fact with the loan amount offered by them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 02, 2017
    • IndusInd Bank Personal Loan
      "Pre-closure"
      0.5 0.5/5 "Unacceptable"
      Indus-ind is a stupid bank with bunch of unprofessional s working, they had approved my loan without my permission and charging the foreclosure to close out the loan. I do not recommend anyone to be part of this Stupid bank and suggest blocking the calls from this bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 27, 2017
    • IndusInd Bank Personal Loan
      "Good Response"
      0.5 5.0/5 "Blown Away!"
      I preferred Indusind bank for the personal loan, hence I applied for the loan through third party online source. But I just postponed my plan so I did not take the loan. I had received good response and service from the bank for my loan application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 25, 2017
    • IndusInd Bank Personal Loan
      "Average"
      0.5 2.5/5 "Just OK"
      Indusind Bank confirmed that they were unable to give the personal loan because of my credit score and it was not matching the bank norms. The response was on time to give me these details. The interest rate and charges were very much normal. But the bank is recommended only if it is flexible,.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 23, 2017
    • IndusInd Bank Personal Loan
      "Be Responsive"
      0.5 3.5/5 "Pretty good"
      Indusind bank said that cannot provide the loan since my company is in C category. They told this and closed the call. But they did not provide alternate solutions. Actually I approached them for the personal loan, but they were not helpful. If they provide any alternate solution or suggestions, it would be helpful to the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2017
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