Calculate the monthly EMI, total interest and processing fee when you convert a credit card purchase into installments.
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When you convert a credit card purchase into EMI, the bank charges interest (usually 13-18% p.a.) plus a one-time processing fee with GST. This calculator shows your true monthly EMI and the total cost including all charges, so there are no surprises on your statement.
Tip: If the same product is available on No Cost EMI, you can avoid the interest entirely. Always check before converting.
Regular card EMI is useful for purchases that do not have a No Cost EMI offer, or when you want a longer tenure. But for eligible products, No Cost EMI is almost always the cheaper choice. Compare both before deciding.
Looking for the right rewards card with strong EMI benefits? See our credit cards section.