The choice depends on your need and time duration. Compare the interest rate and repayment options in both the cases.  

When you opt for finance, the interest rate generally ranges between 10% to 15% with processing fees up to 2%. The repayment option could be up to 3 years. 

When you opt for credit card EMI, the interest rate could range between 14% to 18% with processing fees which may vary depending on the tenure and card issuer. 

Credit card EMI is best when you need immediate fund or unable to seek funding through loans from banks. However, it comes with higher rate of interest and defaults can be costlier. Finance is a good option when you want to enjoy low interest rate and flexible tenure. 

Additional Reading: How Can You Get a Two-Wheeler Loan with Bad Credit?