Updated September 28, 2026 · BorrowCue Editorial Team
ICICI Bank Credit Cards vs Lendela
Where ICICI Bank Credit Cards and Lendela differ
| Compare |  ICICI Bank Credit Cards |  Lendela |
|---|---|---|
| APR | 9.99% to 16.5% | up to 48% |
| Loan amount | ₹50,000 to ₹5,000,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 72 months | 3 to 72 months |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | SGD 0 |
| Credit check | Hard | None |
| Funding time | Instant disbursement | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Direct lender | Marketplace |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Credit needed | Good | Fair |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 2% | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.0 vs 8.5.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 2018.
- Lendela is available in 1 more country.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Business, Secured, Student.
Our verdict on each
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Cost | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. | Not confirmed |
| Offer | 9.3Higher | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.3Higher | 8.2 |
What each covers
| Loan types | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
What we checked
ICICI Bank Credit Cards
- icici.bank.in: 20 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Personal loans | 106 of 1943 | 74 of 1943 |
| Debt consolidation loans | 42 of 425 | 26 of 425 |
| Mortgages | 14 of 719 | 6 of 719 |
| Remortgage deals | 13 of 351 | 6 of 351 |
| Home improvement loans | 51 of 562 | 31 of 562 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | ICICI Bank Limited | Lendela Pte. Ltd. |
| Headquarters | India | Singapore |
| Founded | 1994Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Initial rate | 7.55% | 2.4%Lower |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Lendela | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%above the median | up to 48%highest quarter | 8.99 |
| Term | 12 to 72 monthsabove the median | 3 to 72 monthsabove the median | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Who each suits
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | ICICI Bank Credit Cards | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| India | Yes | No |
| Singapore | No | Yes |
Questions about each
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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