9 Best Free Online Credit Card EMI Calculator Websites

Here is a list of the best free online credit card EMI calculator websites. A credit Card allows you to buy stuff that you can pay later for. You get a limited time period in which you have to pay back the amount you have spent without getting any penalty. Almost every Credit Card offers EMI for repayment. That means instead of paying all the amount at once, you can pack it pay in small monthly installments. This saves you from getting a hefty late fee penalty but you do have to do interest on the repayment.

A Credit Card EMI calculator breaks downs the total loan amount into monthly payments. To do that, you have to add the loan amount into the calculator and pick the EMI tenure i.e., the number of monthly EMIs. Then you can add the rate of interest charged by your Credit Card provider and get the monthly EMI amount. This post cover 9 such websites where you can calculate your Credit Card EMIs online. Most of these calculators are offered by Bank themselves. Some of these calculators include additional functionalities offered by that particular bank. You can go through the post to check these out in detail.

My Favorite Credit Card EMI Calculator

The Credit Card EMI Calculator on ICICIBank.com is my favorite calculator on this list. This calculator gets you all the important amounts you need including EMI amount, total payable interest, and total payable amount. Along with that, it also generates an amortization or repayment table breaking down every installment.

You can also check out our other lists of the best free online Debt Ratio Calculator Websites, online Student Loan Repayment Calculator Websites, and online Debt Payoff Calculator Websites.

Table of Content

WebsitesMonthy EMITenure Period (months)Payable AmountInstallment Table
ICICI Bank3-24
HDFC Bank3-60
AXIS Bank6-24
SBI Card3-12x
Yes Bank12-60xx
Bajaj Finserv12-60
RBL Bank12-60
Groww12-360x
Cred12-360x

ICICIBank.com

ICICIBank.com is an Indian Bank that provides all sorts of banking services including Credit Cards. It has a free Credit Card EMI calculator. You can use this calculator for any Credit Card despite the bank or service provider. But it does have a couple of options that are best suited for ICICI Credit Cards. The first option is EMI type. You can pick from Instant EMI or EMI on Call. The EMI on Call type has an additional processing fee that has to be taken into account. Another is tenure period options. It offers the tenure options that you get with ICICI Credit Cards. These options are 3, 6, 9, 12, 18, and 24 months. You can set the amount from 3,000 to all up to 10 lacs. Similarly, you can set the interest rate and the monthly EMI. It also calculates the interest and total payable amount. Based on the tenure and calculation, it also generates a table covering all the installments with EMI Amount, Principal, Interest, and Balance Amount. It also visualizes the dame data using an Area Graph.

How to calculate Credit Card EMI using this calculator?

  • Open this Credit Card EMI Calculator using the direct link added below.
  • Select the type of EMI, Transaction Amount, Tenure, and Illustrative Interest Rate.
  • This gets you the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI with interest.
  • Offers tenure periods ranging from 3 months to 24 months.
  • Calculates the total amount payable including the total interest.
  • Generates table covering all the installment breakdowns.
  • Visualizes the EMI table data using an area graph.

HDFCBank.com

HDFCBank.com website has a free online Credit Card EMI Calculator. This calculator is best for HDFC-issued Credit Cards. This is because it covers all kinds of load/credit you can get on HDFC cards. You can pick the desired load type and fill in the rest of the details. This tool shows different tenure periods based on the load type you select. It can go from 3 months to 60 months. The results give you the monthly EMI amount and interest rate per month. Along with that, you get a loan repayment schedule. This is a table covering starting balance, principal amount, interest amount, EMI, GST, and ending principal amount for each installment with a total at the end.

How to calculate Credit Card EMI using this calculator?

  • Follow the link given below to directly open this calculator in your browser.
  • Fill in the Loan Amount, and Interest Rate, and select Repayment Tenure.
  • You can also select other HDFC CC specific options as per your needs.
  • Then click the Calculate button to get the monthly EMI with interest.

Highlights:

  • This calculator calculates the monthly Credit Card EMI with interest.
  • Offers tenure periods ranging from 3 months to 60 months.
  • Option to set interest rate to per annum or per month.
  • Calculates the total amount payable including the total interest.
  • Generates table covering all the installment breakdowns.

AxisBank.com

AxisBank.com offers a free online Credit Card EMI Calculator. This calculator is for Axis Bank Credit Card holders. It helps you calculate the EMI and interest when you want to convert the Credit Card bill into EMI. It automatically fetches the current interest rate. You can just add the loan amount along with EMI tenure. With that, it gives you a breakdown of the payment with a graph. It shows total interest, processing fee, ST on interest, ST on PF, extra payable, loan amount, and total payable. Below that, it has an Amortization Table that gives you installment breakdowns as well.

How to calculate Credit Card EMI using this calculator?

  • Follow the link given below to open this Axis Bank Credit Card EMI Calculator.
  • Enter the loan amount and select the EMI tenure.
  • Then click the Calculate button to get the EMI breakdowns.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 6 months to 24 months.
  • Calculates the total amount payable including the EMI interest.
  • Generates table covering all the installment breakdowns.
  • Visualizes the EMI table data using an area graph.

SBICard.com

SBICard.com also offers a free online Credit Card EMI calculator. This is a simple calculator where you can add the loan amount, and interest rate, and select the desired tenure period between 3 to 12 months. Along with that, if you are getting any cashback you can add that as well. With that, this calculator gives you the monthly EMI amount along with the total payable interest and total payable amount.

How to calculate Credit Card EMI using this calculator?

  • Open this Credit Card EMI Calculator using the direct link added below.
  • Enter the load amount along with tenure, interest rate, cashback, and EMI booking amount.
  • Then click the Calculate button to get the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 3 months to 12 months.
  • Calculates the total amount payable including the EMI interest.
  • Options to factors in Manufacturer Cashback.

YesBank.in

YesBank.in is another Indian bank with an online Credit Card EMI Calculator. This is also a simple calculator that works for a loan amount ranging from 1 lacs to 30 lacs. For that, it offers a tenure period from 12 to 60 months. Then you can adjust the interest rate as per your data and get the monthly EMI amount. It does not show the total payable amount however you do get a line graph that visualizes the interest and total amount over time.

How to calculate Credit Card EMI using this calculator?

  • Follow the link given below to open this online Credit Card EMI Calculator.
  • Add the loan amount along with the rate of interest and select a tenure period.
  • This gets you the Monthly EMI amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 12 months to 60 months.
  • Visualizes the EMI table data using a line graph.

BajajFinserv.in

BajajFinserv.in has a free online personal loan vs Credit Card loan calculator. The calculator is simple where you can just add the loan amount, select tenure, and add the interest rate. With that, it gets you the monthly EMI amount. It also shows what the EMI amount would be in the a case of personal loan. Below that, it generates a repayment schedule able comparing principal and interest for Credit Card and personal loan.

How to calculate Credit Card EMI using this calculator?

  • Use the link given below to open this calculator in your browser.
  • Enter the loan amount, EMI tenure, and interest rate into the calculator.
  • This gets you the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 12 months to 60 months.
  • Calculates the total amount payable including the EMI interest.
  • Generates table covering all the installment breakdowns.

RBLBank.com

RBLBank.com is another Indian bank that has an online Credit Card EMI Calculator on its website. This calculator can help you get the monthly EMI breakdowns for a tenure period of 12 to 60 months. You can simply add the loan amount and the rate of interest to the calculator. For that, it gives you the monthly EMI amount, total interest payable, and total payable amount. It also generates a repayment schedule table that gives you the installment break covering the opening balance, EMI amount, principal, interest, and closing balance for each installment.

How to calculate Credit Card EMI using this calculator?

  • Open this Credit Card EMI Calculator using the direct link added below.
  • Add the loan amount into the calculator along with a tenure period and the rate of interest.
  • After that, click the Calculate button to get the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 3 months to 24 months.
  • Calculates the total amount payable including the EMI interest.
  • Generates table covering all the installment breakdowns.
  • Visualizes the EMI table data using an area graph.

Groww.in

Groww.in is a free website with an online Credit Card EMI Calculator. This calculator can work for a loan amount from 1 lacs to 1 crore. For that, you get to pick a loan tenure of 1 to 30 years which is 12 months to 360 months. With a rate of interest, this calculator gives you a monthly EMI amount along with total payable interest and total payable amount. It also generates a donut chart that visualizes the principal amount alongside payable interest.

How to calculate Credit Card EMI using this calculator?

  • Follow the link provided below to open this calculator in your browser.
  • Set the load amount, interest rate, and loan tenure in the calculator.
  • This gets you the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 12 months to 360 months.
  • Calculates the total amount payable including the EMI interest.
  • It visualizes the principal amount and interest using a donut chart.

Cred.club

Cred.club is yet another free website with an online Credit Card EMI Calculator. The calculator here is similar to what you get on Groww.in. It works for a loan amount ranging from 1 lacs to 1 crore. You can select an EMI tenure from 12 months to 360 months for the same. After that, you can also set the rate of interest. This gets you the total payable amount along with monthly EMI, and total interest.

How to calculate Credit Card EMI using this calculator?

  • Open this Credit Card EMI Calculator using the direct link added below.
  • Add the loan amount into the calculator along with the tenure period and the rate of interest.
  • After that, click the Calculate button to get the Monthly EMI with the Total Interest Amount.

Highlights:

  • This calculator calculates the monthly Credit Card EMI.
  • Offers tenure periods ranging from 3 months to 24 months.
  • Calculates the total amount payable including the EMI interest.
  • Generates table covering all the installment breakdowns.
  • Visualizes the EMI table data using an area graph.
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