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

    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.1000 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 649 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.

    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
      "They Should Bring New Ideas"
      0.5 1.0/5 "Really Bad"
      I have few other loans are running , hence when I gave loan request to Indusind, however they have rejected it. But I am a prompt payer, I could track my record and process the loan. Indusind not potential to get the customer inside as they dont provide praactive customer service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • IndusInd Bank Personal Loan
      "They should give clear information about laon status"
      0.5 1.0/5 "Really Bad"
      The person who came and collected the documents for the loan process was not responsible. I received a call from mumbai office they said my loan was under process but nothing came back. Indusind rate of interest is good when compared to all others but they should improve the service too.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • IndusInd Bank Personal Loan
      "Satisfied"
      0.5 3.0/5 "Satisfactory"
      Experience was good one with the Indusind bank and the response was fine for my personal loan application. Rate of interest for the personal loan was around 13% and the customer service was good. I have not taken the loan with them because of some other personal reason.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 26, 2017
    • IndusInd Bank Personal Loan
      "Need improvement in process"
      0.5 1.0/5 "Really Bad"
      Indus ind took the filled personal loan application and told that I am not eligible to get a personal loan and gave the reason as, I haven't met the bank criteria. I would like to suggest Indus ind bank, Before they are send the executive for the documentation, they can back check the customers criteria in prior and then they can proceed with the loan. Only positive aspect with INDUSIND is their interest rate, which is very nominal with Indus ind bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • IndusInd Bank Personal Loan
      "Bad Experience"
      0.5 1.0/5 "Really Bad"
      Interest rate is good but Indusind service is not upto the mark. When I approached them for the personal loan they denied to process my loan. There was a mistake happened on the transaction at 2010 and now its reflecting. But it was not my fault I paid all the amount and closed it but till its impacting my loan. Hence Indusind have rejected my loan application.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2017
    • IndusInd Bank Personal Loan
      "Happy with the super fast and convenient process"
      0.5 5.0/5 "Blown Away!"
      The process at Indusind Bank for a personal loan is just three minutes. I only need to place my request and as soon as I do I get the funds in my account within three minutes. A loan amount of three lakhs. The rate of interest and charges are normal and I only have to inform them my PAN card details for the documentation.
      Was this review helpful? 0
      , avinashi
      Reviewed on May 25, 2017
    • IndusInd Bank Personal Loan
      "Disappointed with the service"
      0.5 1.0/5 "Really Bad"
      I have not received good response from Indusind bank for my personal loan application. Actually they informed me that since Iam salaried person loan cannot be sanctioned to me if Iam salaried then only it can be done it seems I have opted for 4 laks loan,
      Was this review helpful? 0
      , panchkula
      Reviewed on May 24, 2017
    • IndusInd Bank Personal Loan
      "Better Service"
      0.5 2.0/5 "Expected more"
      I applied for the personal loan with Indusind bank. The bank demanded certain documents which I could not produce hence my application got closed by the bank. Other than that, they provide a good response on my loan application and guided me accordingly.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • IndusInd Bank Personal Loan
      "Prompt action is necessary"
      0.5 1.5/5 "Bad"
      I have requested to the Indusind bank for the personal loan, also I have told them to contact after a month of time. Rate of interest was around 16% to 17% and the customer service was not good and I would like to suggest that they need to call the the customer on stipulated time period.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • IndusInd Bank Personal Loan
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      Indusind Bank contacted me initially and I was informed that the executive would come over and collect the documents for the personal loan. After which no one came over to collect the same and I got no calls as well. I assume it could be due the credit score. But it has not been a good experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2017
    • IndusInd Bank Personal Loan
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      For the personal loan application, I did not receive any response from Indusind bank. Not even a mail from the bank so I just switched over to other bank. Earlier they provided a very good response for credit card services but when I applied for the loan, they did not respond.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • IndusInd Bank Personal Loan
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I availed personal loan from Indusind bank through online source. The process went good but not as expected. After the process, they had taken five days to disburse the loan. The rate of interest is on higher end when compared with other banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2017
    • IndusInd Bank Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I had a very good experience with the Indusind bank and the loan amount was lesser than I expected. Customer service is an average one with the Indusind bank. I had a couple of interactions with Indusind bank and the person who came to collect the documents did not respond properly.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2017
    • IndusInd Bank Personal Loan
      "Supportive Service"
      0.5 5.0/5 "Blown Away!"
      Indusind bank delivered a good response for my personal loan. I had no issues with them during the loan process. Interest rate is something normal and I am comfortable with their services in all the aspects. I got good support from Indusind bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • IndusInd Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      It was a very good experience for the personal loan with INDUSIND BANK because they contacted me on time and its a pre approved loan 2.5 laks transfer to city account and rest I have The rate of interest was around 12% and the charges was 8000 rupees. EMI is approximately 18500/- for 4 years
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2017
    • IndusInd Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with Indusind Bank for the personal loan. The services are really good and the process was in a timely manner, it was as committed by them. The rate of interest was 12.75% and The processing charges was 8000 rupees It was a very good experience overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2017
    • IndusInd Bank Personal Loan
      "Recommendable for those who are in need"
      0.5 4.0/5 "Great!"
      With regards to my personal loan, Indusind bank delays the process very much. They told the whole process just takes 3 days, but then Indus ind took about 10 days to disburse my personal loan. The Response part and the customer support is very good with Indusind. The promised interest rate haven't implemented. They need to stick on their promise, at-least they must have informed the customer in prior, that it is an floating interest rates. The charges are nominal with Indusind bank. Over all the service is good with Indusind bank.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 13, 2017
    • IndusInd Bank Personal Loan
      "Hassle free service"
      0.5 4.0/5 "Great!"
      Indusind interest rate is good when compared to other banks. Process was a bit slow, they said April 1st week would be getting my disbursement. But it happened around 23 april. My loan was Rs.10 lakhs with the tenure of five years and my EMI is Rs.23500. I am fine with that.
      Was this review helpful? 0
      , chennai
      Reviewed on May 12, 2017
    • IndusInd Bank Personal Loan
      "Fast Experience"
      0.5 5.0/5 "Blown Away!"
      Indusind provided clear information at initial stage about the loan process, its very fastest bank, when I have any issues with credit card, I could reach them within two minutes, that IVR system is good. I have taken the loan amount of 1.5 lakhs with 14% of interest and there was no processing fee.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 11, 2017
    • IndusInd Bank Personal Loan
      "Its Average"
      0.5 4.0/5 "Great!"
      Indusind promised the interest rate would be 14% on personal loan but they were charged 18% of interest rate on my loan. I needed money urgently, hence I taken the loan with the same interest rate. My loan amount is Rs. 3 lakhs with the tenure of 48 months, I am happy with service.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 11, 2017
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