Overview of Credit Card Loan in Manesar
Credit card loans in Manesar provide quick access to funds for personal expenses, emergencies, or big-ticket purchases. In 2025, lenders like HDFC Bank, SBI Card, and ICICI Bank offer credit card loans in Manesar with interest rates starting at 12% per annum. Loanpao helps you compare offers, check eligibility, and apply for a credit card loan tailored to your needs in Manesar.
Eligibility Criteria for Credit Card Loan in Manesar
| Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Income | Minimum ₹25,000 per month |
| Residency | Resident of India with valid address proof in Manesar |
| Credit Score | Above 700 preferred |
| Credit Card Status | Active credit card with good repayment history |
Documents Required for Credit Card Loan in Manesar
- Identity Proof: Aadhaar Card, PAN Card, or Passport.
- Address Proof: Utility bill, rental agreement, or Aadhaar Card (Manesar address).
- Income Proof: Salary slips (3 months), bank statements (6 months), or ITR (2 years).
- Credit Card Details: Credit card statement (last 3 months) and card number.
Benefits of Credit Card Loan in Manesar
- Instant disbursal within 1-3 days in Manesar.
- Interest rates starting at 12% per annum in 2025.
- Loan amounts up to ₹5 lakh based on credit limit.
- Flexible repayment tenure of 6 months to 4 years.
- No collateral required for credit card loans.
Factors Affecting Credit Card Loan in Manesar
Interest Rate
Rates range from 12% to 18%, depending on credit score and card repayment history.
Loan Amount
Up to ₹5 lakh, based on credit card limit and income.
Credit Score
A score above 700 ensures better rates and approval chances.
Repayment History
Timely credit card payments increase eligibility.
How to Apply for a Credit Card Loan in Manesar
Follow these steps to apply for a credit card loan in Manesar through Loanpao:
- Visit loanpao.in and select "Credit Card Loan in Manesar."
- Fill out the online application form with personal details (name, Manesar address, income).
- Upload required documents (ID proof, credit card statement, income proof).
- Choose a lender and specify the loan purpose (emergency, purchase).
- Get approval and funds disbursed within 1-3 days in Manesar.
Loan Eligibility for Credit Card Loan in Manesar
Check your eligibility for a credit card loan in Manesar with Loanpao’s eligibility tool:
- Confirm your age (21 to 60 years).
- Enter monthly income (minimum ₹25,000).
- Provide a valid Manesar address.
- Check credit score (above 700 preferred).
- Verify active credit card with good repayment history.
Loanpao will instantly assess your eligibility and suggest the best credit card loan offers in Manesar.
Check Eligibility NowTrack Your Credit Card Loan Application in Manesar
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., under review, approved, disbursed).
- Receive notifications for disbursal updates in Manesar.
- Contact Loanpao support for assistance with delays in Manesar.
Credit Card Loan Comparison in Manesar
Compare credit card loan offers from top lenders in Manesar:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank | 12% p.a. | Up to ₹5 lakh | 6 months to 4 years | 1% of loan amount |
| SBI Card | 12.5% p.a. | Up to ₹3 lakh | 6 months to 3 years | 1.5% of loan amount |
| ICICI Bank | 13% p.a. | Up to ₹4 lakh | 6 months to 4 years | 2% of loan amount |
Frequently Asked Questions
A credit card loan in Manesar is a short-term loan offered against your credit card for personal expenses or emergencies.
Interest rates start at 12% per annum, depending on the lender and credit score.
Credit card loans in Manesar are disbursed within 1-3 days after application.
No, credit card loans in Manesar are unsecured and do not require collateral.
The maximum tenure for a credit card loan in Manesar is up to 4 years.
Yes, most lenders in Manesar allow prepayment with minimal or no charges after 3 months.
Missing an EMI can lead to late fees and a negative impact on your credit score.
Top lenders in Manesar for credit card loans include HDFC Bank, SBI Card, and ICICI Bank, offering competitive rates and fast disbursal.
Yes, Loanpao offers a fully online application process for credit card loans in Manesar.
The maximum loan amount is up to ₹5 lakh, depending on your credit card limit and income.