★ Information about EMI plans

Credit Card EMI
explained.

Convert your big credit card purchases into structured 3-36 month EMIs. Lower interest than revolving credit balances.

⚡ Quick conversion📅 3-36 months📉 Lower interest
⚡ Convert in 60 seconds

Learn about CC EMI

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CC EMI · Quick Guide

Split your bill.
Save your sanity.

Structured EMIs at 13-22% may cost less than revolving CC balance at higher rates. Compare your options.

📉

13% p.a. EMI

Structured EMIs typically cost less than revolving credit balances at higher rates.

📅

Flexible tenure

Pick 3, 6, 12, 24 or 36 months. Choose what suits your budget.

⚡

Quick decision

Convert in 60 seconds. No new documents. Done in app.

💯

No prepayment

Foreclose anytime without penalty (most cards). Total flexibility.

When to Convert

Perfect for
these situations.

💳 Use Cases

  • Big-ticket purchase (₹50K+)
  • Wedding shopping bills
  • Medical expenses
  • Electronics & appliances
  • Travel & vacation bills
  • Anything you can't pay in full this month

📊 EMI Calculator

  • ₹50,000 / 12 months @ 15% = ₹4,514/mo
  • ₹1 Lakh / 12 months @ 15% = ₹9,026/mo
  • ₹3 Lakh / 24 months @ 15% = ₹14,549/mo
  • ₹5 Lakh / 36 months @ 15% = ₹17,335/mo

Curious about CC EMI?
Get the info.

Learn how structured EMI options can help spread payments out.

Quick Answers

CC EMI
questions.

Why convert to EMI instead of paying minimum?+
Paying just the minimum charges 3-3.5% per month (40%+ annualized) on the unpaid amount. EMI is at 13-22% p.a. Saves you huge interest.
What's the conversion charge?+
Typically 0-2% one-time processing fee. Some issuers offer promotional fee waivers · check with your card issuer. Interest 13-22% p.a.
Can I prepay the EMI?+
Yes. Most CC EMIs allow prepayment after 3 months. Some have prepayment charges (typically 2-3% of outstanding).
How long does conversion take?+
Most conversions happen in 1-3 business days. Your next CC bill will show the EMI instead of lump sum.
Minimum bill amount to convert?+
Most CC issuers allow conversion for transactions ₹2,500 and above. Some go as low as ₹500. Check with your issuer.
★ Lower interest than revolving CC

Learn about CC EMI
to lower interest costs.

Learn about EMI options that can help spread payments out.

⚡ Convert CC bill to EMILower interest than revolving