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  • IndusInd Bank Loan on Credit Cards is Rated as "Pretty good" by 801 Users

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    IndusInd Bank Loan on Credit Cards

    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
    Apply for Personal Loan

    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.

    IndusInd Bank Loan on Credit Cards Reviews

    • IndusInd Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with INDUSIND BANK. They have rejected the application. They have collected all the documents. The customer service and responses was very good. I was looking for 3 lakhs and the interest rate .My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • IndusInd Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My personal loan was taken wit INDUSIND bank. The loan amount was 3 lakhs and the interest rate was 12% which is bit high . The customer service and responses was good. There is no processing fee and the tenrue period was 2 years.My experience with Indusind was not all good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • IndusInd Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The Indus ind bank gave me good response in regards to my personal loan application. They took around a week time to disburse the loan amount. The customer support service and the response is good from the Indus ind bank. The rate of interest and the charges are average when compared with other banks.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2018
    • IndusInd Bank Personal Loan
      "Very good service "
      0.5 4.0/5 "Great!"
      I have closed the personal loan application with the Indus ind bank, because I have got the other loan from different bank so that was the reason I haven;t got the loan from the Indus ind bank . Moreover the rate of interest which I have got was low when compared with Indus ind bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • IndusInd Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan to the Indus ind bank , but I haven't got the loan from them because within the Indus ind the time Indus ind process loan , I have got the loan from the other bank so that was the reason I haven't got the loan from the Indus ind bank.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 11, 2018
    • IndusInd Bank Personal Loan
      "Need improvement in documentation process"
      0.5 2.0/5 "Expected more"
      The Indus ind bank is asking for all kind of documents to process the personal loan and when I have applied for the loan they have asked me to submit the bank statements, rental agreement , form 16 and for other documents. The documentation process need to be customer oriented from the Indus ind bank.
      Was this review helpful? 0
      , pune
      Reviewed on May 10, 2018
    • IndusInd Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I had a plan to taken my personal loan with INDUSIND BANK. They did not approve the loan and they did not tell the reason also. I was about to take 8-10 lakhs and the given interest rate was 15% which is bit high . The customer service and was good but there was no response at all.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 08, 2018
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a INDUSIND BANK LTDPersonal Loan for 3 Lakhs for my home renovation. Their Interest rate is okay. The loan was disbursed with in two weeks and the processing was hassle free. Over all the whole application process was easy. I am happy with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 05, 2018
    • IndusInd Bank Personal Loan
      "Priority Customer Support and great service"
      0.5 5.0/5 "Blown Away!"
      IndusInd bank offered me a personal loan of 225000 and the rate of interest was 1.5% and the Charges were fine. There was no need to submit any documents. They tracked my transactions and approved the loan with out any delays. Overall their service is proactive and customer friendly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • IndusInd Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with INDUSIND Bank. The loan amount was 2.5 lakhs and the interest rate was 16% which is high and the tenure period was 48 months. They haves sanctioned the loan with the committed time and the loan was approved on time.My experience was really good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 21, 2018
    • IndusInd Bank Personal Loan
      "Need Improvement"
      0.5 3.0/5 "Satisfactory"
      I had applied for the personal loan with the Indus ind bank around 2 months ago, but I have never got any response from the Indus ind bank in regards to my personal loan application. The customer support service and the response need to be quick and fast from the Indus ind bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • IndusInd Bank Personal Loan
      "Need Improvement"
      0.5 3.0/5 "Satisfactory"
      I have inquired about the personal loan with the Indus ind bank ,I personally visited the Indus ind bank for the loan , but they have told that they can't reduce the rate of interest and so that was the reason I haven't got the personal loan from the Indus ind bank.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 18, 2018
    • IndusInd Bank Personal Loan
      "Overall good."
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Indusind bank and the experience was good. I got the loan within ten days. There was no processing fee but there was a insurance fee taken. The rate of interest is also 12.5% which is on the higher side. Else it was good overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 16, 2018
    • IndusInd Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was very good with IndusInd bank, the follow up was done on time and the documents were collected door step. The loan amount was for Rs 7 lakhs for 5 years with nominal interest rate when compared to other banks. Customer service was good and they responded on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 16, 2018
    • IndusInd Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan approved with IndusInd bank and the experience was good, the process was smooth and i received my loan amount within 3-4 days. The loan amount was for Rs 9.28 lakhs with nominal interest rate for 4 years. Customer service was better and they responded on time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
    • IndusInd Bank Personal Loan
      "Experience is good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Indusind bank and the banking services are good. There are no hassles in the process as my documents was collected on time. The rate of interest was of 11% and there were no processing charges. In all the experience is satisfactory.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 14, 2018
    • IndusInd Bank Personal Loan
      "Below average service "
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from Indus ind bank. The customer support service is not up the mark and the professionalism is not seen here. The Indus ind bank has cancelled my personal application saying that I haven't met their bank criteria.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 05, 2018
    • IndusInd Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Recently INDUSIND BANK LTD has offered me a personal loan around 10 months ago. The customer support service is good with the Indus ind bank, they give good response to the customers. The rate of interest and the charges are average with the Indus ind bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
    • IndusInd Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The overall loan service was good with the Indus ind bank. They have disbursed the loan amount within the promised time. The customer support service and the response is good from the Indus ind bank. The rate of interest and the charges are low with the Indus ind.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 26, 2018
    • IndusInd Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have got the personal loan from the Indus ind bank. around a year ago. The customer support service is good with the Indus ind bank and they gave me better response in regards to my personal loan application. The rate of interest and the charges are average here.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 28, 2018
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