How to Pay Personal Loan EMI with a Credit Card in 2025

Ever found yourself staring at your calendar, realising your personal loan EMI is due tomorrow, but your bank balance is running low? You’re not alone. With a large number of Indians using personal loans, managing monthly EMIs is a real challenge for many. There’s no need for worry because now you can pay your personal loan EMI through your credit card, giving you breathing room when you need it most.

Let’s break down how to pay personal loan EMI through a credit card, the pros and cons, why you should pay for your fast approval personal loan via a credit card, and what you need to know before you try it.

Why Pay Personal Loan EMI Through a Credit Card?

Suppose you’ve got an EMI due, but your salary hasn’t hit your account yet. Or maybe an unexpected expense threw your budget off track. Paying your personal loan EMI with a credit card can be a lifesaver in these moments. Here’s why:

• Instant Payment Relief: Make your EMI payment on time, even if cash is tight, and avoid late fees or penalties.
• Interest-Free Period: Many credit cards offer a period of interest-free credit. Pay your card bill on time, and you won’t pay extra interest.
• Earn Rewards: Some credit cards offer reward points or cashback on EMI payments. These extra perks are for staying on top of your bills.
• Convenience: The process is quick, simple, fully online, and can be done anytime, anywhere.
• Emergency Solution: Great for short-term cash flow issues or unexpected financial crunches.

How to Pay Personal Loan EMI Through Credit Card: Step-by-Step

Ready to try it? Here’s how the process typically works:

1. Check If Your Lender Allows Credit Card Payments

• Not all banks or NBFCs allow EMI payments via credit card. Check your lender’s website or customer service.

2. Log in to Your Lender’s Online Portal or App

• Use your credentials to access your loan account online.

3. Go to the EMI Payment Section

• Find the section for EMI or loan payments.

4. Select ‘Credit Card’ as Payment Option

• Choose ‘Credit Card’ from the list of payment methods.

5. Enter Your Credit Card Details

• Input your card number, expiry date, CVV, and the EMI amount.

6. Confirm and Complete the Payment

• Double-check the details and submit your payment.

7. Ensure Sufficient Credit Limit

• Make sure your card’s available limit covers the EMI amount.

8. Pay Your Credit Card Bill on Time

• To avoid hefty interest charges, clear your credit card bill before the due date.

9. Watch for Extra Fees

• Some lenders or card issuers may charge a convenience fee—read the fine print.

10. Set Reminders

• Mark both your EMI and credit card due dates to avoid missing payments.

Pros and Cons: What You Should Know

Is It the Best Option for Everyone?

Paying your personal loan EMI through a credit card is best used as a short-term solution. If you find yourself doing this month after month, it might be time to look at your overall finances. Sometimes, consolidating debt with a new instant personal loan apply online option, or seeking a fast approval personal loan, could be a better long-term fix.

How My Mudra Helps You?

At My Mudra, we help you find the best online loans instant approval, tailored to your needs. Whether you want to manage your EMIs better, need fast approval of personal loan options, or want to explore flexible repayment methods, our platform makes it simple. Apply personal loan online instant approval, and get funds when you need them without the stress.

Paying your personal loan EMI through a credit card can be a smart move in a pinch — just remember to use it wisely. Need more flexibility or want to explore your options? At My Mudra, we’re here to help you take control of your finances, every step of the way.

Also Read:
- Personal Loans for Self Employed with No Proof of Income
- Top 10 Instant Personal Loan Apps in India 2025