Loan Against Credit Card

Financial emergencies don't wait for the right moment. Whether it's an unexpected medical expense, urgent home repairs, a family emergency, or a time-sensitive opportunity, you need funds fast, without the hassle of lengthy paperwork and approval processes. That's where a Loan Against Credit Card becomes your instant financial backup. At Reliance Spectra India, we transform your existing credit card into a powerful financial tool that gives you immediate access to funds when you need them most.

Unlike traditional personal loans that require extensive documentation, credit checks, and waiting periods, a loan against your credit card leverages your existing credit relationship. If you've been a responsible credit card user with a good repayment history, you're already pre-qualified for instant funds, no collateral required, minimal documentation needed, and money in your account within hours, not days.

At Reliance NBFC Finance Limited, we understand that life's urgent moments can't wait. Whether you're facing a sudden expense, need to bridge a temporary cash gap, or want to avoid high credit card interest on large purchases by converting them into affordable EMIs, our loan against credit card facility is designed for speed, simplicity, and convenience. So the next time you need quick access to funds without disrupting your financial planning, leverage your credit card and get instant liquidity at competitive rates. Talk to us and keep your financial momentum going.

Interest Rate

  • Enjoy attractive interest rate at 6.5% per annum, among the lowest in the market
  • Call us to check your personalised interest rate offer

EMI

  • Choose a tenure between 12 to 60 months and check the EMIs accordingly.
  • Offers customized EMI.

Documentation

  • Since it is a pre-approved loan extended to select customers, no need for any paperwork
  • Only your Credit Card number and registered mobile number is required for OTP verification before the loan amount disbursal

Pre-closure/Foreclosure

  • Pre-closure/Foreclosure facility is offered at a zero fee
  • You can call us to close the loan at any time you wish.

How to apply?

Get a Loan on a Credit Card from Reliance in just three clicks!

Do It in 3 simple steps

  • Provide a registered mobile number with Credit Card.
  • Share 3Month Statement till today date.
  • View your loan offer & confirm the loan amount.
  • We will confirm & do NACH activation & eKYC.
  • You will receive the money in your bank account instantly.

GST, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change as per relevant regulations of the Government of India.

Terms and conditions apply.