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Can I use a credit card for repaying an EMI for an education or home loan?

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No you cannot pay an EMI for a home loan using a credit card in India

because a Home Loan fundamentally is a debt/liability and once you take it, you give banks a ""Standing Instruction"" to debit a certain amount (your EMI) monthly on a specific date. Also, on the date of EMI payment, these Standing Instructions are issued only on your Savings or Current account & not on your Credit Cards. Also, because the credit card in itself provides you with a sort of a loan and you must not pay one loan with another one because this won’t literally reduce any of your overall liability but instead will further increase it. Try to reduce your debt always for a better and more secured financial life!".

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