Credit Cards
Card EMI conversions, and the charges that do not appear in the advertised rate.
- Personal Loan or Credit Card EMI?The real cost in India of converting a card purchase to EMI against taking a personal loan, including the processing fee and the 18% GST on it.
- GST on Credit Card EMI: What You Actually PayGST applies to the interest and the processing fee on a card EMI conversion. Where it lands, how much it adds, and why the advertised rate hides it.
- Why a Card EMI Blocks Your Credit LimitConverting a purchase to EMI does not free up your credit limit. How much stays blocked, how it unwinds, and what it does to your credit score.
- How to Close a Credit Card EMI EarlyWhat foreclosing a card EMI costs, when it saves money, and the one mistake that leaves you paying interest on a debt you thought you had cleared.
Reviewed by Pradipta Ray, Editor · Last updated