Credit card EMI vs personal loan — which is cheaper?
Reyansh Tomar
Asked 25 May 2026
0
I need to finance a purchase of ₹1,00,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
1 Answer
Accepted
11
Subhashree Khatri·10 Jun 2026
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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