Credit card EMI vs personal loan — which is cheaper?
Yogesh Saha
Asked 23 Mar 2026
14
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
10
Priyal Sundaram·1 Jun 2026
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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