Credit card EMI vs personal loan — which is cheaper?
Sneha Brahmbhatt
Asked 10 Mar 2026
18
I need to finance a purchase of ₹1,50,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
1 Answer
Accepted
15
Kangana Mhaske·27 Feb 2026
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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