Loan Suggestion

So! I have some funds held up across places to the tune of 150k n i need to pay my cc bill of that amount by the end of this month. These are genuine stucks like insurance refund and bonus and some other with a friend. I know it'll come back but unsure if before the due date.. Plus I have a travel plan in the end of March.. assuming around 40k is what I'll need. Was considering getting a loan of about 160k to pay of the bill n pay it off over the next year.. but would like it to be flexible.. Does getting the loan from cred sound good . its offering 11.4 pa... option to pay close the loan early at no cost. alternatively I can approach hdfc. i think they offered around 9.5 or 10 pa.. I have a ulip with bajaj n can approach them for LAIP as well. Haven't done any hard inquiring to avoid cibil impact. I have a score of 783. 1. Any suggestions on how I can optimise? 2. Any suggestions on how I can get the best loan? 3. If I make hard enquiries for the loan, will it effect my cibil? I earn around 1L net pa and post all expenses and long term savings.. i may have around 15-20% if no major expenses.