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In some instances, it is very difficult for individuals to pay the full credit card bill amount to the bank. In such cases, the easy monthly installments option is a savior and it can help individuals to manage finances easily.
These interest rates vary from 24%-36% per annum depending upon the terms and conditions. The bank policies also vary for every bank and thus the individual ends up paying more interest on the remaining amount.
HDFC Bank offers EMI conversion on credit card purchases through the smart EMI option. In this case, most of the bill amount is converted to EMIs that can be paid by the individual every month.
Let us look at the table which gives a rough estimate as to how much EMI has to be paid depending upon the interest rate and tenure.
About HDFC Credit Card EMI
The EMI calculator helps to calculate the EMI before opting for the EMI option on any credit card. The EMI can be calculated by entering the loan amount and the details like interest rate and the tenure of the payment.
The calculator should be referred to so that the monthly budget can be adjusted for any individual.
1. HDFC Bank Net banking
2. Phone Banking
The EMI facility is an attractive option when considered for the purpose of purchase of a high-value item. The EMI option will make it easier for you to purchase anything but, every facility has its own price and thus interest is the price that is to be paid for utilizing the amount that has not been paid in the credit card bill. The process for choosing the EMI option is quite simple and one can opt for it at the time of purchase itself. The cons of the EMI option should also be considered and kept in mind when opting for the same.
1. How is no-cost EMI different from normal EMI?
Normal EMI schemes charge processing fees and interest rates on EMIs whereas the no-cost EMI does not charge any of the above.
2. What are the tenures provided for the EMI conversion option?
The different tenures provided are three, six, nine, twelve and twenty-four months respectively.
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