Credit Card EMI
What a purchase converted to card EMI really costs with the card's rate and processing fee.
Your numbers
How it works
Understanding card emi
Converting a card purchase to EMI is a small loan at the card's EMI rate plus a processing fee. It is convenient, but the effective cost is often higher than it looks — this tool shows the real total you pay.
The interest is usually built into the price or discount forgone; GST on the interest component still applies. Compare the total against paying in full.
Yes — the outstanding EMI amount blocks your limit until fully repaid.