How to convert a Citibank credit card purchase to EMI?
Rekha Hegde
Asked 11 Mar 2026
7
I just made a big purchase on my Citibank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
1 Answer
11
Trisha Khan·6 Apr 2026
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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