Loan payments using credit card

Hi from India,

I currently pay a monthly loan EMI of around ₹60,000–₹65,000, and this loan will continue for the next five years. I am aware that most banks do not allow loan repayments directly through credit cards. However, I would like to know if there are any legal methods or alternatives to pay my loan EMI using a credit card so that I can earn rewards, cashback, or other benefits.

Additionally, please suggest some of the best credit cards that allow loan or bill payments with minimal charges and maximum benefits. Most importantly, I want to understand legitimate and compliant ways to use a credit card for loan repayments without violating any banking or regulatory rules.

Posted Jan 10, 2026, 12:39 AM UTC

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