There are 2 types of Loan on Credit Card available: 1. Insta Loan: This Loan amount is within your available Credit Card limit. Eg: If your Credit Card limit is Rs.1,50,000/-, your loan limit can be Rs.1,20,000 (limit depends on various criteria). If you have already spent Rs.50,000 then the maximum loan amount that you can get will be Rs.1,00,000/- which will be blocked against your remaining limit. 2. Jumbo Loan: This Loan amount is over and above your available Credit Card limit. Eg: If your Credit Card limit is Rs.4,00,000/- , your Loan limit can be Rs.4,00,000/- or more. You can also spend on your Credit Card as it will not block your Credit Card limit. You can choose for a higher Loan amount by checking your eligibility for Jumbo Loan on Credit Card