How to convert a RBL Bank credit card purchase to EMI?
Yashi Dudi
Asked 1 Apr 2026
I just made a big purchase on my RBL Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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