No Cost Emi

No-Cost EMI on Credit Cards: The ₹6,000+ 'Free' Instalment That Often Isn't

No-cost EMI looks free on the bill, but processing fees, lost cashback, and merchant price inflation typically cost ₹6,000–₹15,000 on a ₹1–2 lakh purchase. Here's the math.

Credit Card vs Buy Now Pay Later (BNPL) in India: The Real Comparison

BNPL apps promise 0% interest. The reality is fees, late charges, and limited consumer protection. The comparison.

EMI Conversion on Credit Cards: When It Saves You Money, When It Costs You

EMI rates of 12%–24% are cheaper than revolving at 42%–51%. But EMI has its own traps — processing fees, GST, and prepayment penalties.