SBI card unknown transaction/ emi charge

[Hope]

Today I recieved statement of sbi cc I saw charge of 97.26 which is not from emi ongoing.

MEMI-INT DEBIT 1STEMI (EXCL TAX 17.51) 97.26 D
Then I saw transaction on card is displayed 1rs transaction CH CONTRA and credited too, first time I saw this type charge/transaction I cross checked if I did anything maybe I don't remember there's no otp on mail and message regarding this transaction.
I got to know today only.
International transaction always disabled on my card only domestic online was on.

Tried contacting sbi card customer care but they are available only 8am-8pm.
Dropped mail to sbi.

Anyone faced anything like that. Or may help in knowing these charges I am not aware.
Thankyou

 

[Hope]

Tagging some knowledgeable ppl for reach. @Abhishek012 @kuchbhi @desiviru @SSV @2025

 

[desiviru]

Contra Credit is system credits to round off things sometimes. So it is from SBI. No worries here.

The second one says 1st EMI. Have you anything started on EMI or converted your spend to EMI? Because this seems to be a pro-rate emi and interest for broken period.

Also if in past your EMI interest calculation had some issues then they add it in future too to recover cost. For that you need to manually calculate things. Yes, there is GST of 18% on EMI interest on CC.

 

[Hope]

Contra Credit is system credits to round off things sometimes. So it is from SBI. No worries here.

The second one says 1st EMI. Have you anything started on EMI or converted your spend to EMI? Because this seems to be a pro-rate emi and interest for broken period.

Also if in past your EMI interest calculation had some issues then they add it in future too to recover cost. For that you need to manually calculate things. Yes, there is GST of 18% on EMI interest on CC.

Thankyou man, you saved my night.
Currently one EMI is running will calculate charges.
Thankyou again