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Instant Loan on Credit Card
Fulfil your immediate financial needs with an Instant Loan of up to ₹15 lakh* on your Axis Bank Credit Card. You get instant access to funds without any paperwork, making it an ideal solution for unexpected expenses. Whether you're facing medical emergencies, planning a large purchase or consolidating debt, Instant Loan on Credit Card offers a quick and convenient financial solution. With flexible repayment options and competitive interest rates, managing your finances has never been easier!
Features & Benefits
Instant access to funds
Get immediate access to funds up to ₹15 lakh without the delays typically associated with traditional loan applications. This quick loan disbursal is available via NEFT / IMPS.
Zero documentation and fast processing
No paperwork is required, which ensures minimal processing time. Since this is an unsecured and pre-approved loan, the time taken for processing and verification is significantly reduced.
Flexible repayment options
Choose a repayment tenure that suits your financial situation, ranging from 12 to 48 months.
Competitive interest rates
Unlock attractive interest rates starting from 10.8% p.a. to a maximum of 24% p.a. Enjoy affordable rates curated keeping you in mind!
No collateral
Eligibility is defined by Axis Bank internal policy guidelines and you need not provide any collateral to obtain funds
Low processing fees
A one-time processing fee of 2% of the loan amount (plus GST) makes the loan cost-effective, with no hidden fees.
Instant Loan Details
| Max Loan Amount | ₹ 25,000 - ₹ 15 Lakhs |
| Max Loan Tenure | Tenure from 12 to 48 months* |
| Interest Rate | Starting from 10.8% p.a |
| Processing Fees | One-time processing fee of 2% of the loan amount + GST |
Fees and Interest Rates
- Processing fee : A one-time processing fee of 2% of the loan amount or ₹500 (whichever is higher), plus GST.
- Foreclosure fee :If you choose to foreclose the loan, a fee of 3% of the outstanding principal or ₹300 (whichever is higher) plus GST, will be charged.
- Interest rate : The interest rate is decided by the bank based on multiple factors, including your credit profile.
Interest Rate for Instant Loan on Credit Card- Loans sourced in Apr’25 – Jun’25
| Product | Min ROI | Max ROI | Mean Rate* |
|---|---|---|---|
| Instant Loan on Credit Card | 10.8% | 24% | 15.06% |
*Mean Rate = Sum of rate of interest of all loan accounts / Number of all loan accounts
Modes of Disbursal :
The loan amount will be disbursed directly into your Axis Bank Savings Account. For non-Axis Bank customers, the disbursal will be processed through NEFT.
Note : NEFT disbursals are subject to successful processing at the beneficiary bank’s end.
Check your eligibility
The offer eligibility is subject to the Bank's internal policies and can be revised under its discretion.
How to apply for Axis Bank Instant Loan on Credit Card
Steps to avail Axis Bank Instant Loan on Credit Card are:
- 01
Customer Care :
You can contact our customer care team by dialling 1-860-500-5555. - 02
Mobile Banking app :
Apply via our Mobile Banking App – open - 03
Axis Bank Branch :
Visit your nearest branch
Securing an Instant Loan on Credit Card with us is an effortless process. You can choose any one of the following two loan application methods as per your convenience and benefit from instant access to funds:
Instant Loan on Credit Card Calculator
The Instant Loan on Credit Card calculator simplifies your financial commitments by providing a clear estimate of your monthly loan payments. By inputting key details such as the loan amount, tenure, and interest rate, you can quickly determine your Equated Monthly Installments (EMI) and effective Annual Percentage Rate (APR).
Total Amount Payable
1,37,621
Extra Payable
Total Interest ₹ 3,076
Processing Fee ₹ 500
GST on Interest ₹ 554
GST on PF ₹ 90
Need information on Credit Card services?
A diverse range of services, including rewards, travel perks, fraud protection & more that add value to your transactions.
Frequently Asked Questions
Yes, you can avail of a loan of up to ₹15 lakh with an Axis Bank Credit Card. Simply follow the steps mentioned above.
Absolutely. our Instant Loan on Credit Card offers instant approval and access to funds with zero paperwork, no collateral, low processing fees and convenient repayment options.
Axis Bank offers competitive interest rates on Credit Card Loans, ranging from 10.8% p.a. to 24% p.a. For detailed information, please contact us via our dedicated customer service channels.
- Existing Axis Bank customers with an active credit card and a strong repayment history
- Individuals looking for a hassle-free loan process with minimal documentation
- Those who want to manage financial emergencies without tapping into their long-term savings or investments
- Customers seeking flexible repayment options that fit their financial needs
Terms & Conditions and Privacy Policy
- Click here for Terms & Conditions and Privacy Policy.
- For Queries or Complaints click here
- If your complaint has been rejected wholly or partly, or you are not satisfied with the reply; or you have not received any reply within 30 days of lodging the compliant, you can lodge a complaint over the Complaint Management System (Click here) under the Reserve Bank-Integrated Ombudsman Scheme (Click here) or send a physical complaint to “Centralised Receipt and Processing Centre, 4th Floor, Reserve Bank of India, Sector-17, Central Vista, Chandigarh - 160017”.
- Click here to download the notice regarding use of unacceptable language
- Click here Resolution timeframe of complaints is governed as per the Bank’s Grievance Redressal Policy
- Click here to view the guidelines followed by Axis Bank while handling customer escalations
- Click here to know the TAT for requests
- Click here to know the roles and responsibilities of the PNO
- Click here to view the sachet Portal
- Click here to view Bank’s customer redressal policy
- Contact Details:
Name: Mr. Ashish Rajput (Grievance Redressal officer – Digital lending)
Designation: Assistant Vice President
Address: Axis bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5. MIDC. Airoli Knowledge Park, Airoli, Navi Mumbai 400708
Contact no: 08061865200
Email ID:- nodal.officer@axisbank.com
Timing: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)
Name: Ms. Deepti Radkar (Principal Nodal Officer)
Designation: Senior Vice President-II
Address: Axis bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5. MIDC. Airoli Knowledge Park, Airoli, Navi Mumbai 400708
Contact no: 08061865098
Email ID: pno@axisbank.com
Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays) - Click here for details of LSPs
Swipe your Credit Card into a world of convenience
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