Credit card EMI vs personal loan — which is cheaper?
Amit Mathew
Asked 11 May 2026
22
I need to finance a purchase of ₹40,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
1 Answer
Accepted
5
Bala Munda·22 May 2026
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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