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Which Credit Card has the Lowest Interest Rate on EMI?
Which Credit Card has the Lowest Interest Rate on EMI?
Posted by: Akaay Repiles0 Posted:2024-06-07 18:57:37 ISTUpdated:2024-06-07 19:02:19 ISTWritten by - CreditMantriarticle CreditMnatri Creditmantri
Categories:Credit Cards
Tired of paying high interest rates on credit card usage? If you frequently carry forward your credit card balance from one month to the other, high interest rates can cause issues and financial losses in the long run. Credit cards with low interest rates make your financial management a bit more manageable. Credit cards with the lowest interest rate on EMI can be a smart solution to enjoy the benefits and conveniences without the financial burden.
Below, we will have a look at the top credit cards with the lowest interest rate on EMI.
Credit Card | Interest Rate | Joining Fees |
HDFC Infinia Credit Card | Starts from 2.5% p.m. | INR 12,500 |
HDFC Regalia Credit Card | Starts from 1.99% p.m. | INR 2,500 |
YES Bank Reserv Credit Card | Starts from 2.99% p.m. | INR 1,999 |
SimplySAVE Advantage SBI Card | Starts from 3.50% p.m. | INR 500 |
1. HDFC Infinia Credit Card
Get 5 Reward Points for every ₹ 150 you spend.
Enjoy unlimited access to airport lounges worldwide and get a free Club Marriott membership for the first year.
Pay the lowest markup fee (2%) on foreign currency transactions, and have zero liability for lost or stolen cards.
Access over 1,000 airport lounges worldwide with Priority Pass (free for you and additional cardholders).
Get a 1% discount on fuel surcharges at all Indian gas stations (on transactions between ₹400 and ₹1,00,000).
Get 12,500 reward points and a free Club Marriott membership for the first year when you get the card.
Spend ₹10 lakhs or more in a year and get your renewal fee waived, plus another 12,500 reward points.
2. HDFC Regalia Credit Card
Earn 4 Reward Points on every ₹150 spent on shopping.
Enjoy complimentary airport lounge access - 12 times within India and 6 times outside India per year.
Get rewarded with bonus points - 10,000 points for spending ₹5 lakhs and an additional 5,000 points for spending ₹8 lakhs in a year.
Relax with 24/7 concierge services.
Benefit from zero lost card liability and a low foreign currency markup fee of 2%.
Enjoy exclusive discounts and benefits with the complimentary Dineout Passport Membership (valid until Dec 31, 2021).
Earn additional bonus points based on your annual spending.
Convert large purchases into monthly instalments with the Smart EMI option.
3. YES Bank Reserv Credit Card
Get 24 points for every ₹200 spent online, 12 points for every ₹200 spent offline, and 6 points for every ₹200 spent on select categories.
Enjoy complimentary international airport lounge access and 3 domestic lounge visits per quarter.
Benefit from a preferential foreign currency markup of 1.75%.
Get purchase protection insurance for mobiles and electronics, credit shield cover, and lost card liability insurance.
Save 1% on fuel surcharge for transactions between ₹400 and ₹5,000.
Earn 8,000 bonus reward points when your renewal fee is charged (starting from the second year).
Benefit from a low interest rate of only 2.99% on revolving credit.
4. SimplySAVE Advantage SBI Card
Get 1 reward point on ₹150.
Get ₹100 cashback on your first ATM withdrawal within 30 days of receiving your card.
Make secure and convenient payments by waving your card at a reader.
Use your card at over 24 million outlets globally and 325,000 outlets in India.
Get add-on cards for family members over 18.
Pay bills using the Easy Bill Pay facility.
Transfer outstanding balances from other banks for a lower interest rate and pay in EMIs.
Look for a credit card with a low EMI interest rate to ease your financial burden, especially if you carry a balance. Among the best choices, HDFC Regalia offers a competitive interest rate as low as 1.99% per month, plus benefits like reward points, lounge access, and concierge services.
YES Bank Reserv, HDFC Infinia, and SimplySAVE Advantage SBI Card also have attractive features, so consider them based on your spending habits.
Compare these cards to your financial needs to find the best fit to manage your expenses effectively.
Which Credit Card Has The Lowest Interest Rate On Emi
Tired of paying high interest rates on credit card usage? If you frequently carry forward your credit card balance from one month to the other, high interest rates can cause issues and financial losses in the long run. Credit cards with low interest rates make your financial management a bit more manageable. Credit cards with the lowest interest rate on EMI can be a smart solution to enjoy the benefits and conveniences without the financial burden.
Below, we will have a look at the top credit cards with the lowest interest rate on EMI.
Credit Card | Interest Rate | Joining Fees |
HDFC Infinia Credit Card | Starts from 2.5% p.m. | INR 12,500 |
HDFC Regalia Credit Card | Starts from 1.99% p.m. | INR 2,500 |
YES Bank Reserv Credit Card | Starts from 2.99% p.m. | INR 1,999 |
SimplySAVE Advantage SBI Card | Starts from 3.50% p.m. | INR 500 |
1. HDFC Infinia Credit Card
Get 5 Reward Points for every ₹ 150 you spend.
Enjoy unlimited access to airport lounges worldwide and get a free Club Marriott membership for the first year.
Pay the lowest markup fee (2%) on foreign currency transactions, and have zero liability for lost or stolen cards.
Access over 1,000 airport lounges worldwide with Priority Pass (free for you and additional cardholders).
Get a 1% discount on fuel surcharges at all Indian gas stations (on transactions between ₹400 and ₹1,00,000).
Get 12,500 reward points and a free Club Marriott membership for the first year when you get the card.
Spend ₹10 lakhs or more in a year and get your renewal fee waived, plus another 12,500 reward points.
2. HDFC Regalia Credit Card
Earn 4 Reward Points on every ₹150 spent on shopping.
Enjoy complimentary airport lounge access - 12 times within India and 6 times outside India per year.
Get rewarded with bonus points - 10,000 points for spending ₹5 lakhs and an additional 5,000 points for spending ₹8 lakhs in a year.
Relax with 24/7 concierge services.
Benefit from zero lost card liability and a low foreign currency markup fee of 2%.
Enjoy exclusive discounts and benefits with the complimentary Dineout Passport Membership (valid until Dec 31, 2021).
Earn additional bonus points based on your annual spending.
Convert large purchases into monthly instalments with the Smart EMI option.
3. YES Bank Reserv Credit Card
Get 24 points for every ₹200 spent online, 12 points for every ₹200 spent offline, and 6 points for every ₹200 spent on select categories.
Enjoy complimentary international airport lounge access and 3 domestic lounge visits per quarter.
Benefit from a preferential foreign currency markup of 1.75%.
Get purchase protection insurance for mobiles and electronics, credit shield cover, and lost card liability insurance.
Save 1% on fuel surcharge for transactions between ₹400 and ₹5,000.
Earn 8,000 bonus reward points when your renewal fee is charged (starting from the second year).
Benefit from a low interest rate of only 2.99% on revolving credit.
4. SimplySAVE Advantage SBI Card
Get 1 reward point on ₹150.
Get ₹100 cashback on your first ATM withdrawal within 30 days of receiving your card.
Make secure and convenient payments by waving your card at a reader.
Use your card at over 24 million outlets globally and 325,000 outlets in India.
Get add-on cards for family members over 18.
Pay bills using the Easy Bill Pay facility.
Transfer outstanding balances from other banks for a lower interest rate and pay in EMIs.
Look for a credit card with a low EMI interest rate to ease your financial burden, especially if you carry a balance. Among the best choices, HDFC Regalia offers a competitive interest rate as low as 1.99% per month, plus benefits like reward points, lounge access, and concierge services.
YES Bank Reserv, HDFC Infinia, and SimplySAVE Advantage SBI Card also have attractive features, so consider them based on your spending habits.
Compare these cards to your financial needs to find the best fit to manage your expenses effectively.
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