Credit card EMI vs personal loan — which is cheaper?
Aanya Gupta
Asked 28 Apr 2026
1
I need to finance a purchase of ₹75,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
2 Answers
12
Shweta Dobriyal·22 Apr 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
10
Raghav Pradhan·22 May 2026
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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