Best credit card for EMI from below list

[Patil007]

Hi, I have below list of credit cards, which will be best suited for EMI.
1) ICICI APay
2) ICICI Coral
3) Axis MyZone
4) SBI Simplyclick
5) IndusInd Legend
6) RBL zomato
7) Citi Reward
8) IDFC Millenia
9) HSBC Platinum
10) HDFC Millenia.

 

[SangEUD]

ICICI, HDFC, SBI charges processing fee for sure.

Others may be good, but mostly none provide any reward points on EMI spend.

Compare interest rate and decide accordingly whose EMI comes cheapest. Even see which bank can provide No Cost Emi.

Standard Chartered Bank does provide RPs even on EMI spends, but unfortunately you don't have.

Hope this resolves your query

 

[Patil007]

ICICI, HDFC, SBI charges processing fee for sure.

Others may be good, but mostly none provide any reward points on EMI spend.

Compare interest rate and decide accordingly whose EMI comes cheapest. Even see which bank can provide No Cost Emi.

Standard Chartered Bank does provide RPs even on EMI spends, but unfortunately you don't have.

Hope this resolves your query

Thanks.

 

[Patil007]

As far as I think, EMI depends on interest rates and on-going offers.

May I know What you're expecting? or why you got confused to use which card?

Yes, Interest rates only. Will I get No cost EMIs on any credit cards? Also, they add processing fees.

I don't need RP or cashback for EMI.

 

[amitamit is verified member.]

Prefer No cost EMI.
zero processing fee.
final product amount should be the same even after No cost EMI.
check up to which month NO cost EMI is applicable - few banks give no cost emi up to 3-6 months only after that they charge interest.

 

[SangEUD]

No Cost EMI offers vary wrt product n merchant/ platform.

AFAIK Amazon Pay ICICI card provides almost all items except few like jewellery on Amazon at No Cost EMI

 

[Mogul]

Prefer No cost EMI.
zero processing fee.
final product amount should be the same even after No cost EMI.
check up to which month NO cost EMI is applicable - few banks give no cost emi up to 3-6 months only after that they charge interest.

even for no cost EMI there is GST applicable. Unless and untill you get a discount along with nno cost EMI, you are in loss

 

[jade]

APay ICICI cards for EMIs. APAy give no cost EMIs on almost all items that cost above Rs 3000.