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Turn your dreams into reality. Simply ‘Dial a Loan’ on your Standard Chartered credit card.
  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 to avail a Loan on 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
  • Get Credit Card Loan upto
    ₹ 10 Lakhs

    Within 2 days

  • Enjoy

    Interest Rate Per Month.* T&C apply

  • Flexible
    12-60 Months

    Repayment tenure options

Detailed Features of Loan Against 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- Dial A Multiplier Loan (DML).

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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Credit Card - Standard Chartered India
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.

Standard Chartered provides select eligible clients within the credit limit loan – Dial A Flexi Repayment (DFR) option for fixed tenure with flexible repayment option.

  • This is a special promotional offer to select card members only. The card members are selected solely at the discretion of Standard Chartered Bank (“The bank”) and bank reserves the right to decide the eligibility as per extant internal policy and guidelines. The bank may or may not come out with such offers in the future at its discretion.
  • The monthly payment due and the interest thereon will be billed in your monthly Credit Card statement.
  • The EMI and the applicable GST on the interest amount of EMI, will be added to your minimum amount due every month, and will attract penal charges in case the minimum amount due is not paid in full by the mentioned payment due date. If the amount outstanding (including the EMI) were to exceed the credit limit, you would be liable to pay over limit charges as applicable. Interest rate, processing fees and tenure confirmed at the time of applying cannot be changed. The interest is calculated using the reducing balance method.
    • EMI = Principal Amount + Interest Amount.
    • Monthly Loan Repayment = EMI + GST on Interest amount of EMI.
    • Effective 1 July 2017, GST is 18%, subject to change and will be applicable as per Govt. regulations.
  • The amount of Processing Fee and applicable GST will be billed in your monthly credit card statement. GST is applicable on the following:
    • Interest amount of EMI on a monthly basis.
    • Processing fees.
    • Pre-closure charges (If any).
  • The interest rate mentioned is the applicable rate of interest as specified in the card statement and as amended from time to time.
  • The Bank reserves the right at any time, without pervious notice, to add, modify, alter, modify, change or vary all or any terms and conditions, or to replace wholly or in part this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether.
  • The Bank reserves the right to foreclose the loan and debit the entire outstanding amount if the earlier payments are overdue
  • Participants will not hold Standard Chartered Bank responsible for or liable for any actions, claims, demands, loses, damages, costs, charges which a participant might suffer, sustain, or incur by way of this scheme.
  • If your Standard Chartered Bank credit card is closed before all instalments have been charged, the loan amount outstanding would be debited as one consolidated amount on to your credit card.
  • Nothing contained herein shall prejudice or affect the terms and conditions of the Card Member agreement. The terms of this agreement shall be in addition to and not in derogation of the terms contained in the Bank’s Card Member Rules and Regulations.
  • In the event you do not agree to the details of the loan, rate of interest, applicable charges, or the terms and conditions herein, you are required to call the Bank’s help line and cancel the loan and thereafter, immediately return the demand draft within 15 days from the date of this letter / draft/ NEFT, failing which you shall have deemed to have accepted the loan and the terms and conditions herein and be liable to pay interest on the amount disbursed from the date of the demand draft.
  • No voluntary cancellation would be entertained thereafter. If the request for closure is made after 15 days of the conversion, it shall be considered as a pre-closure and pre-closure charges of the balance principal outstanding will be applicable. Also the Processing Fee (PF) charged at the time of booking shall not be refunded back.
  • To pre-close your EMI account, please call the helpline numbers. Partial pre-payment or partial closure of this loan is not permitted.
  • A separate instaBuy account would be set up for this offer whenever you avail a product for first time. The account number would reflect on your card statement and you are requested to make your payment towards each of your accounts individually. In case you are making a payment towards the outstanding of multiple card accounts via a single cheque/DD, then the same may be drawn in favour of any one of your account numbers, with a clear instruction on the reverse of the cheque/DD for allocation of payment to the respective accounts. (Note- In case a card holder has availed a loan or EMI facility in past, InstaBuy loan account number used in past shall be used)
  • In case customer make a single payment to any of card accounts, there shall be apportionment of funds as per logic.
  • The bank will not be responsible for non-receipt or delay in delivery of DD due to non-availability of the customer at the time of delivery to the registered mailing address as per Standard chartered Bank credit card records.