Credit Card EMI vs Personal Loan Calculator

See which option is cheaper for a purchase or short-term borrowing need.

Result

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Credit card EMI

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Total interest
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Fees + GST
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Total cost
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Personal loan

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Total interest
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Fees + GST
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Total cost
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What to compare

Do not compare only the advertised rate. Add processing fees, GST, lost discounts, insurance, foreclosure charges and the tenure you will actually keep.

For credit cards, confirm whether GST applies only on fees or also on interest/EMI components under your issuer’s terms.

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