When it comes to the interest charged on credit card dues, as per the moratorium relief, if you don’t pay your credit card bills within the moratorium period, your bank will levy interest as it normally does and keeps accruing. But they wouldn’t levy late payment fees and the cumulative interest levied can go up to 12%. And if you make further purchases during the moratorium period, the interest on the additional spends will also start accruing and you might end up paying a huge amount on interest.
If you decide to take the moratorium for loan EMIs, your interest will continue to accrue during the moratorium period. The final amount will depend on how many months you take up the moratorium. You can always check how much extra you would have to pay if you take up the moratorium, by using a moratorium EMI calculator provided by your bank.