Friends, if you need quick cash in an emergency, a credit card loan is a fast and easy option. In 2025, banks have made these offers even more attractive – low interest rates, quick approval, and flexible repayment. I’ve checked the latest data and am sharing Best Credit Card Loan Offers which cards are offering the best deals.
This information is from trusted sources like Paisabazaar and CardExpert, where you can find full details and apply. Let’s explain in simple terms how these loans work and what the top offers are!
What is a Credit Card Loan and How Do You Benefit?
A credit card loan essentially involves withdrawing cash from your card’s credit limit, such as from an ATM or an app. Interest rates start at 9%, and repayment is flexible from 3-48 months.
In 2025, banks like IDFC, Axis, and SBI have improved their offerings – no processing fees on some, and instant disbursal. This is better than a personal loan because approval is faster, but interest is linked to the card’s APR, so calculate the EMI first.
Top Credit Card Loan Offers 2025
These offers are on cards with the best loan features. Each one offers low rates and extra perks:
IDFC First Millennia Credit Card
- Interest Rate: Starting at 9% p.a.
- Loan Amount: Up to 100% credit limit (₹1-5 lakh).
- Tenure: 3-36 months.
- Perks: Interest-free cash withdrawal up to 48 days, no joining fee, and 5% cashback on spends.
- Best For: Beginners or low-income people, because of low charges and high benefits.
Axis Bank ACE Credit Card
- Interest Rate: 9-15% p.a.
- Loan Amount: Up to ₹2 lakh.
- Tenure: 6-24 months.
- Perks: 1% fuel surcharge waiver, 4 lounge accesses per year, and 5% cashback on Swiggy/Uber.
- Best For: Daily spenders, because lifestyle benefits with loan.
SBI Card Elite
- Interest Rate: 10-18% p.a.
- Loan Amount: Up to ₹10 lakh.
- Tenure: 3-60 months.
- Perks: Unlimited domestic lounge access, 2% reward points on all spends, and movie discounts.
- Best For: Travel lovers, because loan comes with airport perks.
HDFC Regalia Gold Credit Card
- Interest Rate: 12% p.a. se.
- Loan Amount: Up to ₹5 lakh.
- Tenure: 6-36 months.
- Perks: 4 reward points per ₹150 spent, flight vouchers on milestones, and international lounge access.
- Best For: High spenders, because rewards help in loan repayment.
Amazon Pay ICICI Bank Card
- Interest Rate: 13-20% p.a.
- Loan Amount: Up to ₹3 lakh.
- Tenure: 3-24 months.
- Perks: 5% cashback on Amazon (Prime members), 2% on partners, lifetime free.
- Best For: Online shoppers, as the cashback covers the loan interest.
These offers are latest as of 2025, but check the terms and conditions – such as a minimum income of ₹25,000/month and a good credit score.
| Features | Description |
|---|---|
| IDFC First Millennia | 9% p.a., Up to ₹5 lakh, 3-36 months |
| Axis Bank ACE | 9-15% p.a., Up to ₹2 lakh, 6-24 months |
| SBI Card Elite | 10-18% p.a., Up to ₹10 lakh, 3-60 months |
| HDFC Regalia Gold | 12% p.a., Up to ₹5 lakh, 6-36 months |
| Amazon Pay ICICI | 13-20% p.a., Up to ₹3 lakh, 3-24 months |
| Minimum income | ₹25,000/month |
| Processing fee | Mostly zero |
| Approval time | Instant |
Conclusion
Credit card loans have become very convenient in 2025, especially with cards like IDFC First Millennia or Axis ACE. They’re best for quick cash in an emergency, but always calculate EMIs and repay on time to protect your score.
This information has been taken from Paisabazaar and CardExpert – go there for full details and apply. If you have any doubts, ask in the comments and I’ll explain!
