Credit card EMI vs personal loan — which is cheaper?
Hari Gupta
Asked 6 May 2026
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?
2 Answers
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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