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Credit Card EMI Calculator: Calculate EMI and Interest Instantly

A Credit Card EMI calculator helps you manage your outstanding Credit Card loan better. Since Credit Cards offer you the option to make purchases in the present with the option to spread the payments over a period, knowing the exact amounts for EMI, total interest, and total repayment amount can help you plan your repayment better. Find out this information instantly by using the online Credit Card EMI calculator.

2.5K 10 Lakh
Processing Fee (One-time)
GST on Processing Fee
Total Interest Payable
GST on Interest
Extra Payable
Transaction Amount
Total Payable
Amortisation Table

The amortisation table below breaks down exactly what you will pay every month based on your Credit Card loan. It includes the principal amount you have borrowed and Interest divided over the tenure of your loan, your calculated monthly EMI with a per month service tax and a final EMI amount applicable to your loan each month.

  • Months
  • Principal
  • Interest
  • EMI
  • GST on Interest
  • Final EMI

What is the Credit Card EMI Calculator?

The online Credit Card EMI Calculator is a user-friendly tool that allows you to effortlessly calculate Credit Card EMIs without requiring technical expertise. Use it to know the exact amount you will have to pay if you want to convert your payments into smaller instalments. Input your principal amount and duration into the tool. It will provide you a detailed break-up of monthly EMIs and total interest. It eliminates the need for physical calculations and helps you compare loans and create a financial strategy that works best for you.

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How to use the Credit Card Payment Calculator?

Loan amount

The loan amount is the overdue amount on your Credit Card. It also includes any outstanding dues from the earlier months.

The Credit Card calculator allows you to choose the tenure for which you wish to spread out the EMIs of your Credit Card loan, lowering your financial burden. If you choose a longer tenure, your monthly EMI will be lesser.

Interest Rate
Like any other loan, a Credit Card loan comes with an interest rate offered by your bank. After you fill in the details about the interest rate, the Credit Card EMI calculator instantly calculates the total interest and the EMI applicable to your Credit Card loan.

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How to Calculate EMI on Credit Cards?

  • Key in the loan amount. It includes the loan/transaction in the current month, plus any outstanding balances carried forward from the earlier months.
  • Select the tenure from 6, 9,12, 18 or 24 months
  • Click on calculate.
  • You will get the entire break up, which includes total interest amount, GST, processing fee and the total amount payable.
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Advantages of the Credit Card EMI Calculator

  • This EMI and Credit Card interest rate calculator simplifies the process by eliminating manual calculations, which can often be time-consuming.
  • The Credit Card EMI Calculator is both free and user-friendly, making financial planning and decision-making accessible at your fingertips.
  • Empowering users to make well-informed borrowing decisions, the calculator helps you optimise your Credit Card loans more efficiently.
  • It provides you with Instant results that are delivered in a fraction of a second.
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How will the Credit Card Interest Calculator help you?

  • The online Credit Card Interest calculator helps you estimate the monthly cost of your Credit Card bill, specifying your monthly EMI and interest. It gives you a proper breakdown of your monthly expenses, making your decision-making process easier.
  • Since there is no need for manual calculations, it minimises the risk of errors and lets you perform as many assessments as you want in a matter of seconds.
  • It is available 24/7, so you do not need to visit the bank or have back-and-forth conversations because you get the transparency you need almost instantly.
  • It can be difficult to keep track of your loan repayable schedule when there are so many factors involved, but the Credit Card EMI Calculator helps ease that process for you.
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Axis Bank does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy. The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Axis Bank does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against Axis Bank. Neither Axis Bank nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.

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Frequently Asked Questions

Simply add in the amount of the transaction and tenure sought to pay it over and click on "Calculate". The Credit Card EMI Calculator will instantly display the breakup and repayable amount towards the transaction. You could refer to the break-up of your payable EMIs towards principal, interest and processing charges, and browse through the entire plan of instalments in the amortisation table.

Axis Bank’s credit cards are a go to option for an instant advance on funds. Depending upon the type of credit card applied for, its advantages may include:

  • Facility to pay via EMI for transactions amounts greater than Rs.2,500
  • Axis EDGe Reward points on select transactions
  • Discounts and cash-backs on transactions with various partners including restaurants, shopping portals and entertainment options.
  • Added benefits on facilities like Airport Lounges, waiver on Fuel surcharges etc.

Click here for a complete list of cards along with their enlisted features.

Yes, you can adjust the interest rates and other details as many times as you want to assess different outcomes.

Calculate your EMI with this formula: E=[P×R×(1+R) n] ÷ [(1+R) n-1] where E=monthly EMI, P=principal amount, R=interest rate, and n=tenure in months.

Calculate instalments with this formula: Instalment amount = (principal amount/number of months) + (principal amount×monthly interest rate). This formula helps you determine fixed monthly payments for converted Credit Card purchases.

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