Overview of Credit Card Loan in Gurugram
Credit card loans in Gurugram offer quick access to funds for urgent personal expenses, such as medical emergencies, travel, or debt consolidation. In 2025, lenders like SBI, HDFC Bank, and ICICI Bank provide credit card loans in Gurugram with interest rates starting at 12% p.a. Loanpao helps you compare offers, check eligibility, and apply for credit card loans tailored to Gurugram’s fast-paced urban needs.
Eligibility Criteria for Credit Card Loan in Gurugram
| Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Residency | Resident of Gurugram with valid address proof |
| Income | Minimum monthly income of ₹25,000 |
| Credit Score | Minimum 700 |
| Credit Card | Active credit card with good repayment history |
| Employment | Salaried or self-employed with 1 year of stability |
Documents Required for Credit Card Loan in Gurugram
- Identity Proof: Aadhaar Card, PAN Card, or Passport.
- Address Proof: Utility bill, Rental Agreement, or Aadhaar (Gurugram address).
- Income Proof: Salary slips (3 months) or ITR (2 years for self-employed).
- Bank Statements: Last 6 months of account linked to credit card.
- Credit Card Details: Card statement showing limit and repayment history.
Benefits of Credit Card Loan in Gurugram
- Instant approval and disbursal within 24-48 hours in 2025.
- Loan amounts up to 90% of credit card limit.
- No collateral required for credit card loans.
- Flexible repayment tenure from 6 months to 5 years.
- Online application process through Loanpao.
Factors Affecting Credit Card Loan in Gurugram
Interest Rate
Rates range from 12% to 24% p.a., based on credit score and card usage.
Loan Amount
Up to 90% of available credit card limit.
Credit Score
A score above 700 ensures better rates and approval.
Repayment History
Timely credit card payments improve eligibility.
How to Apply for a Credit Card Loan in Gurugram
Follow these steps to apply for a credit card loan in Gurugram through Loanpao:
- Visit loanpao.in and select "Credit Card Loan in Gurugram."
- Fill out the online application with personal and credit card details.
- Upload required documents (ID, income proof, card statement).
- Submit the application and get approval within 24 hours.
- Receive funds in your account within 48 hours after verification.
Loan Eligibility for Credit Card Loan in Gurugram
Check your eligibility for a credit card loan in Gurugram with Loanpao’s eligibility tool:
- Enter personal details (income, employment status).
- Provide Gurugram address for localized offers.
- Input credit card details (limit, repayment history).
Loanpao will instantly assess your eligibility and suggest the best credit card loan offers in Gurugram.
Check Eligibility NowTrack Your Credit Card Loan Application in Gurugram
Loanpao provides a seamless tracker for your credit card loan application:
- Submit your application ID on the Loanpao Tracker page.
- Get real-time updates on your application status (e.g., verification, approved, disbursed).
- Receive notifications for disbursal updates in Gurugram.
- Contact Loanpao support for assistance with delays in Gurugram.
Credit Card Loan Comparison in Gurugram
Compare credit card loan offers from top lenders in Gurugram:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| SBI | 12% p.a. | Up to ₹5 lakh | 6 months to 5 years | 1% of loan amount |
| HDFC Bank | 13% p.a. | Up to ₹7 lakh | 6 months to 4 years | 1.5% of loan amount |
| ICICI Bank | 14% p.a. | Up to ₹10 lakh | 6 months to 3 years | 2% of loan amount |
Frequently Asked Questions
A credit card loan is a pre-approved loan offered against your credit card limit for urgent personal expenses in Gurugram.
Interest rates start at 12% p.a., depending on the lender and credit profile.
Credit card loans are typically disbursed within 24-48 hours after approval in Gurugram.
Yes, a minimum credit score of 700 is typically required.
Loan amounts can go up to ₹10 lakh or 90% of your credit card limit, depending on the lender.
Yes, most lenders allow early repayment with minimal or no prepayment charges.
No, credit card loans are unsecured and do not require collateral.
Top lenders include SBI, HDFC Bank, and ICICI Bank in Gurugram.
Yes, Loanpao offers an online application process for credit card loans in Gurugram.
Processing fees range from 1% to 2% of the loan amount, depending on the lender.