Personal loan v/s Personal loan on Credit Card What's the Difference?
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https://www.desidime.com/discussions/personal-loan-v-s-personal-loan-on-credit-card-what-s-the-difference?page=1#post_9198312
You pay extra GST of 18% on interest component.
Loan on CC for x% interest is almost equal to x+2% interest of Regular Personal Loan.
I would not recommend Loan on card until and unless you get it for at an interest of 12% or Less.
https://www.desidime.com/discussions/personal-loan-v-s-personal-loan-on-credit-card-what-s-the-difference?page=1#post_9203405
I have an option of loan on cc and personal loan, both showing same rates . ICICi cc...
https://www.desidime.com/discussions/personal-loan-v-s-personal-loan-on-credit-card-what-s-the-difference?page=1#post_9203472
Then take Personal loan.
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Normal personal loan gets an additional cibil enquiry which leads to decrease in score while personal loan on cc doesn't initiate a cibil enquiry so always choose personal loan on cc if available