Credit Card EMI Calculator for All Indian Banks (2025)

Use our Credit Card EMI Calculator to estimate how much interest you'll pay on your unpaid credit card balance if you don’t pay it in full. This tool works for SBI, HDFC, ICICI, Axis, Kotak, and other Indian banks, helping you make smart repayment decisions.

📌 What is a Credit Card Interest Calculator & Why Use It?

A credit card interest calculator helps you estimate how much interest you’ll be charged when you carry forward an unpaid balance. Unlike regular loans, credit card interest is charged daily and compounds monthly — making it much more expensive over time.

🧾 Credit Card Interest Calculation Formula with Example

Formula: Interest = (Outstanding Balance × Annual Interest Rate ÷ 12)

Outstanding Balance: Your unpaid credit card bill
Annual Interest Rate (APR): Typically 24% to 48% depending on the bank

Example:
If your balance = ₹10,000 and APR = 36%, then:
Monthly Interest = ₹10,000 × 36% ÷ 12 = ₹300

Note: If you carry the balance over multiple months, interest compounds and your due increases rapidly.

📝 How to Use Our Credit Card EMI Calculator – Step by Step

• Enter your Outstanding Balance in ₹
• Enter your Annual Interest Rate (APR%)
• Click Calculate
• Instantly view your Monthly Interest & EMI Estimate

This tool works across all major Indian credit card providers.

💳 SBI Credit Card EMI Calculator – Prime, BPCL, SimplySAVE

• SBI's APR usually ranges from 36%–42%
• Depends on EMI conversion and minimum due behavior
• Use our calculator to:
• ✅ Calculate SBI credit card interest
• ✅ Compare EMI vs revolving balance cost
• ✅ Avoid late fee traps

🏦 HDFC Credit Card EMI Calculator – Millennia, Regalia, MoneyBack

• HDFC APR can go up to 42% p.a. if not converted to EMI
• Late fees + GST apply on missed payments
• This calculator helps you:
• ✅ Estimate EMI vs regular interest
• ✅ Avoid interest on partial payments

🛍️ ICICI Credit Card EMI Calculator – Amazon Pay, Coral, Platinum

• APR varies based on card usage and profile
• Use our calculator to:
• ✅ Know monthly interest amount
• ✅ Estimate EMI instantly

🛒 Axis Bank Credit Card EMI Calculator – Flipkart Axis, MyZone

• APR ranges 36%–42% if dues not converted to EMI
• Minimum due = high interest trap
• This calculator lets you:
• ✅ Plan EMIs for Flipkart & travel spends
• ✅ Estimate full vs EMI costs

🏁 Kotak, IDFC, RBL, SCB & Other Bank EMI Calculators

• Kotak Cards – Zen, Royale Signature
• IDFC Cards – Millennia, WOW
• RBL Cards – ShopRite, Monthly Treats
• Standard Chartered, Federal Bank & more
• Use our calculator for neutral EMI + interest estimates

🧮 Minimum Payment Interest Calculator – APR Based Charges

• Only paying the minimum due = high interest load
• Our calculator shows:
• ✅ Interest on partial payments
• ✅ How balance grows monthly

📊 Popular Use Cases

• Compare interest on SBI vs HDFC Credit Card
• Check EMI interest for Flipkart Axis / Amazon Pay
• Estimate late fee + interest for ICICI
• Evaluate 0% credit card balance transfer
• Use as a minimum payment interest calculator
• Track dues and plan repayment with one tool

This tool is ideal for salaried professionals, students, and freelancers using credit cards in India. Whether you're managing shopping spends or avoiding late interest – it's your financial planning partner.

👉 Try Our HDFC Credit Card Interest Calculator – Regalia, Millennia, MoneyBack