Credit card EMI vs personal loan — which is cheaper?
Varun Chauhan
Asked 2 Mar 2026
I need to finance a purchase of ₹2,00,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
2 Answers
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.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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