Because a Home Loan fundamentally is a debt/liability and once you take it, you give banks a ""Standing Instructions"" to debit a certain amount (your EMI) monthly on a specific date. Also, on the date of EMI payment, these Standing Instructions are issued only on your Savings or Current account & not on your credit cards.Why you should not use a credit card to repay EMI’s? Credit card in itself provides you with a sort of a loan and you must not pay one loan with another one because this won’t literally reduce any of your overall liability but instead will further increase it. Besides, credit card interes rates are much higher than home loan interest rates. Try to reduce your debt always for a better and secured financial life!