Converting Your Credit Card Purchases into EMI: A Step-by-Step Guide

In today’s era, credit cards have become an integral part of our financial lives. They not only provide us with the ease of cashless transactions but also offer us the flexibility to manage our expenses. One such feature is the option to convert credit card purchases into easy monthly instalments, commonly known as credit card EMI. In this blog, we will guide you through the process of converting your purchases into credit card EMI and discuss the benefits of a Rupay credit card lifetime free.

Credit Card EMI | How Credit Card EMI Works - HSBC IN

Understanding Credit Card EMI

Credit card EMI is a feature that allows you to convert your high-value credit card purchases into easy and manageable monthly instalments. This option gives you the flexibility to buy now and pay later, making it easier to manage your expenses without straining your monthly budget.

How to Convert Your Purchases into Credit Card EMI

Converting your credit card purchases into EMI is typically a hassle-free and 100% digital process. Here is a step-by-step guide:

  • Make a Purchase: First, make a purchase with your credit card that qualifies for the EMI conversion. Most banks have a minimum transaction amount for this feature.
  • Request for EMI Conversion: After making the purchase, contact your bank through their customer service, online banking portal, or mobile app to request the EMI conversion.
  • Choose Your Tenure: The bank will present you with multiple tenure options for the EMI. Choose a tenure that best suits your repayment capacity.
  • Confirm the Conversion: Once you confirm the EMI conversion, the bank will block the amount on your credit limit and convert it into EMIs.

Advantages of the Rupay Credit Card Lifetime Free

The Rupay Credit Card lifetime free is an attractive offering that comes with a host of benefits. Here are some of the key advantages:

  • Zero Annual Fees: As the name suggests, the Rupay Credit Card Lifetime Free comes with no annual fees, reducing your credit card costs.
  • EMI Conversion: Like most credit cards, the Rupay Credit Card also offers the option to convert your purchases into credit card EMI, making it easier to manage your expenses.
  • Rewards and Cashbacks: The card also offers rewards and cashback on various transactions, further enhancing your savings.

Things to Consider When Converting Purchases into Credit Card EMI

While credit card EMI provides added financial flexibility, there are a few things you should keep in mind:

  • Interest Rate: Banks charge a certain interest rate on the EMI conversion. Make sure to consider this cost before opting for EMI.
  • Tenure: Choosing a longer tenure will reduce your monthly EMI but increase your overall interest cost.
  • Processing Fee: Some banks may also charge a processing fee for the EMI conversion.


The credit card EMI feature is indeed a boon for those looking for financial flexibility. It allows you to make purchases without worrying about immediate repayment. And if you’re looking for a cost-effective credit card, the Rupay credit card lifetime free can be a great option. Not only does it offer the EMI conversion feature, but it also provides a host of other benefits without any annual fees

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