Smart EMI on Credit Card
Convert your high-value credit card purchases into affordable EMIs with Smart EMI options, offering flexibility and easy repayment.
Key Highlights of Smart EMI on Credit Card
Our Smart EMI feature offers a convenient way to manage your high-value credit card purchases with the following benefits:
| Conversion Amount | Eligible for transactions above Rs. 5,000 |
| Repayment Tenure | 3 to 24 months |
| Interest Rate | Starting from 12% per annum |
| Processing Fee | 1% of the converted amount or Rs. 99, whichever is higher |
| Prepayment Option | Available after 3 EMIs with minimal charges |
Features & Benefits of Smart EMI on Credit Card
Affordable Repayments
- Convert large purchases into manageable monthly payments.
- Flexible tenure options from 3 to 24 months.
- Instant conversion of eligible transactions to EMI via mobile banking or net banking.
- No documentation required for processing.
- Competitive interest rates, making it an affordable way to manage finances.
- Easy prepayment option after 3 EMIs with minimal fees.
Simple and Quick Process
Additional Benefits
Smart EMI on Credit Card FAQs
What purchases are eligible for Smart EMI conversion?
Transactions above Rs. 5,000 are eligible for conversion into Smart EMI.
Can I prepay my Smart EMI?
Yes, prepayment is available after completing 3 EMIs with minimal charges.
How do I apply for Smart EMI on my credit card?
You can apply via mobile banking or net banking for eligible transactions.
What is the interest rate for Smart EMI?
Interest rates start at 12% per annum, depending on the tenure and other conditions.
