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A couple using loan on SC credit card for their wedding
  1. Credit Cards
  2. Loan on Credit Card – Apply Online for Credit Card Loan

Turn your dreams into reality. Simply ‘Dial a Loan’ on your Standard Chartered credit card.

Loan on Credit Card with flexible tenures ranging from 12-60 months and interest rates starting at 0.99% per month

Main Features of Loan on Credit Card
  • Within 2 days

  • Interest Rate Per Month

  • Repayment tenure options

Detailed Features of Loan on Credit Card

Zero Documentation

Skip the hassle of providing multiple IDs! Avail a pre-approved cash loan against your entire credit card limit without the requirement of any additional documentation.

Instant Loan

Secure a loan of up to INR 10,00,000 instantly without any additional verification. Loan amounts above the credit card limit may be obtained on grounds of eligibility.

Easy Payment

Benefit from tenure options available from 12-60 months. Flexi-repayments on loans enable you to make payments as per your convenience within the loan tenure, even without EMIs.

Attractive Interest Rates

Enjoy ideal interest rates, as low as 0.99% per month, for loans taken on your Standard Chartered credit card.
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A happy family spending day out with friends and paying bills with SC credit cards
Apply for DigiSmart card and enjoy benefits on online shopping, travel, food and more

Easily apply for your loan via SMS, email or phone call! Dial-a-Loan can be your quick fix option for almost any financial emergency.
  • SMS ‘DAL’ to 9223010121
  • Email DAL to loan.creditcards@sc.com
  •  Contact us via call: 080-39401166 / 080-66011166

All Standard Chartered credit cardholders are eligible to apply for a loan on their credit cards.
Additionally the following factors will also work in your favour:-

  • A long, unblemished credit account history
  •  A low credit utilization rate on existing accounts
  •  A reliable repayment history on credit card bills and loans

Final eligibility amount and applicable interest rate will be determined solely at the discretion of the Standard Chartered bank.

  • Processing fees vary between 1-2% as per the eligibility of the credit card owner
  • A 4% charge applies in the case of pre-closure of the loan as per the stipulated charges

Yes, you can apply for a loan on your credit card through various channels provided by the bank. These funds can be used for personal requirements only.

Apply for a loan on your credit card via:

The website

  • Click on the “Apply Now” button
  • Fill and submit the form with all your details.


  • Log into netbanking on the Standard Chartered website.
  • Go to “My Offers” sections
  • You will be shown all the eligible offers against your credit card
  • Click Avail Now against your ‘DIAL a loan’ offer to apply for a loan.

Mobile banking

  • Download the SC Mobile India app.
  • Log into the app with your credentials.
  • Go to My Offers sections
  • You will be shown all the eligible offers against your credit card
  • Click Avail Now against your ‘DIAL a loan’ offer to apply for loan.


  • Call our customer care number at 080 – 39401166/080 – 66011166
  • A loan on a credit card allows you to obtain funds based on your credit limit during emergencies at attractive interest rates starting from 0.99% p.m. without any documentation.
  • The funds are disbursed via NEFT in 2 days.
  • Repayments can be made easily at your own convenience within the repayment tenure period.
  • You can avail of multiple flexible tenure options ranging from 12 months to 60 months.

Since the credit history of the primary cardholder is the one considered for the eligibility of an add-on card, only they may apply for a credit card loan.

Standard Chartered does provide you with the ability to close your loan before the tenure with a minimal pre-closure fee of 4%.

The loan amount on your Standard Chartered credit card will depend on your available credit limit, but the bank can provide a higher amount at its discretion based on your credit history.