Credit Card EMI Calculator India 2025
Convert your credit card purchases into easy EMIs. Calculate monthly payments, processing fees, and total cost with our advanced calculator.
💡 Typical rates: 1-2.5% for most banks
Monthly EMI
₹26.33 K
For 6 months @ 18% p.a.
Cost Breakdown
| Component | Rate | Amount |
|---|---|---|
Transaction Amount | - | ₹1.50 L |
Processing Fee | 1.5% | ₹2.25 K |
GST on Processing Fee | 18% | ₹405 |
Total Interest | 18% p.a. | ₹7.97 K |
GST on Interest | 18% | ₹1.44 K |
Payment Schedule
Showing 1 to 6 of 6 entries
Total Principal
₹1.50 L
Total Interest
₹9.86 K
Total Payable
₹1.60 L
Credit Card EMI Cost Breakdown
Complete breakdown of all charges and fees
Detailed Breakdown
| Component | Amount | % |
|---|---|---|
Transaction Amount | ₹1.5L | 93.8% |
Total Interest | ₹9.9K | 6.2% |
Processing Fee + GST | ₹4.4K | 2.8% |
| Total Amount | ₹1.6L | 100.0% |
Key Insights
Cost Optimization Tips
Want to Find the Best Credit Card?
Compare credit cards from different banks to find the best EMI rates, processing fees, and benefits
Compare Credit CardsCredit Card EMI: Who Should Use & Who Should Avoid
Understanding when credit card EMI is beneficial and when to avoid it
Who Should Use Credit Card EMI
Who Should Avoid Credit Card EMI
💡 Pro Tip
Always compare the EMI processing fee and interest rate with personal loan rates. Sometimes personal loans can be cheaper for large purchases.
Hidden Charges in Credit Card EMI
Be aware of these additional costs beyond your monthly EMI
Processing Fees
Interest & GST
Penalty Charges
How to Convert Purchase to EMI
Simple steps to convert your credit card purchases into monthly installments
After Purchase
• Make the purchase using your credit card
• Wait for transaction to reflect in statement
• Contact bank within 30 days of purchase
Apply for EMI
• Call customer care or use mobile app
• Provide transaction details
• Choose tenure (3 to 24 months)
Start Payments
• EMI starts from next billing cycle
• Processing fee charged immediately
• Pay EMI along with minimum due
Credit Card EMI FAQs
Everything you need to know about Credit Card EMI conversion, charges, and best practices
Credit Card EMI allows you to convert your high-value credit card purchases into easy monthly installments. Instead of paying the full amount in one go, you can spread the payment over 3-24 months.
How it works: Contact your bank after making a purchase, choose tenure, pay processing fee, and start EMI from next billing cycle.
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