Credit card EMI vs personal loan — which is cheaper?
Ratnam Bose
Asked 13 Apr 2026
3
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
2
Rakesh Palaniswamy·20 May 2026
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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