Yes, you can get a loan against a credit card. It’s actually a pre-approved loan against your credit card transaction history. The spotless credit card payment record will likely reward you with a loan against it. Banks typically offer loans against credit cards in two categories: against the credit card limit and above the credit card limit. With a loan sanctioned against the credit card limit, the lender blocks your loan amount against the limit you have. For example, if your credit card limit is INR 2 lakh, and you have availed of a loan worth INR 1 lakh, you can shop with your credit card for just INR 1 lakh until the loan repayment is over. On the other hand, there is no such restriction on a loan sanctioned above the credit card limit. You can shop up to the available credit limit and pay the loan separately.