Note: Banks charge 18% GST on Interest and Processing Fees for Credit Card EMIs. This calculator includes GST for accurate results.

Credit Card EMI

Real cost of "No Cost" or Standard EMI

Purchase Amount (₹)

Interest Rate (% p.a)

Usually 13% - 16% for Merchant EMI.

Tenure (Months)

Processing Fee (One-time)

₹ 0

(GST on interest is billed separately in monthly statement)

Total Interest + GST -

Proc. Fee + GST -

Total Payback -