Sabse bada sawal ye hai ki credit card se EMI kaise banaye? Is article mein hum step by step samjhenge
Credit card aaj k time par har kisi ke paas hota hai, aur iska use sirf shopping, ya bill payment, ya subscription lena, ya udhaar dena, yahi tak hi restricted nahi hai. Aap apne bade kharche, jaise ki mobile phone, laptop, fridge, TV ya travel tickets ko EMI (Equated Monthly Installment) mein convert kar sakte ho.
ki credit card par EMI kaise kaam karti hai, iske kya benefits hote hain, aur kin baaton ka dhyan rakhna chahiye.
Credit Card EMI Kya Hai?
Jab aap apne credit card se koi bada transaction karte ho, toh bank aapko ek option deta hai ki aap us payment ko chhoti-chhoti monthly installments mein convert kar lo. Isse aapko ek saath pura paisa dene ki zaroorat nahi hoti, balki aap har mahine ek fixed amount bank ko chukate ho.
Yani agar aapne ₹50,000 ka phone kharida hai, toh aap usko 6 mahine, 12 mahine ya 24 mahine tak EMI mein tod kar easily chuka sakte ho.
Credit Card Se EMI Kaise Banaye?
Do tareeke hote hain apke pas credit card EMI banaane ke, aur vo hai-
1. Purchase Time par EMI Conversion
Jab aap offline par ya online par shopping karte ho, toh wahan par aapko “Pay Using Credit Card EMI” ka option show hota hai. Jaise Amazon, Flipkart, Myntra, Reliance Digital ya Croma par shopping karte waqt aapko bank aur tenure (3, 6, 9, 12 months) select karna hota hai.
Steps:
- Product add karo cart mein.
- Payment page par “Credit Card EMI” choose karo.
- Apna tenure select karo (example: 6 months, 12 months).
- Bank automatically amount ko EMI mein convert kar dega.
2. Post Purchase EMI Conversion
Agar aapne purchase normal credit card payment se kiya hai, toh bhi aap baad mein transaction ko EMI mein convert kar sakte ho. Iske liye aapko apne bank ke customer care, net banking ya mobile app ka use karna hoga.
Steps:
- Apne bank ki app ya net banking login karo.
- “Convert to EMI” option select karo.
- Jo aap convert karna chahte ho uska transaction choose karo.
- Tenure aur interest rate check karke confirm karo.
EMI Conversion Charges Aur Interest
Credit card EMI free nahi hoti, banks is par processing fee aur interest charge karte hain. Har bank ka rate alag hota hai.
- Processing Fee: 1% – 2.5% of transaction amount
- Interest Rate: 12% – 24% per annum
- Pre-closure charges: Agar aap EMI ko jaldi close karna chahte ho toh extra charges lagte hain
Example: Agar aap ₹30,000 ka phone 12 months EMI par lete ho 15% interest ke saath, toh aapko around ₹2,500 extra dena padega.
Credit Card EMI Ke Fayde
- Budget Friendly: Ek saath bada paisa nahi dena padta.
- Easy Repayment: Har mahine ek fixed amount deduct hota hai.
- Instant Approval: Koi alag se documentation nahi chahiye.
- Flexibility: 3 mahine se lekar 24 mahine tak tenure choose kar sakte ho.
- Better Cash Flow: Emergency ke time mein financial burden kam hota hai.
Credit Card EMI Lene Se Pehle Dhyan Rakhe
- Interest rate aur processing fee hamesha compare karein.
- Minimum amount ko EMI mein convert karne ki limit hoti hai (₹3,000 – ₹5,000).
- Har bank ke terms and conditions alag hote hain.
- EMI ke dauran aapka available credit limit kam ho jata hai.
- Agar payment time par nahi karte toh late fee aur penalty lagti hai.
Top Banks Jo EMI Option Provide Karte Hain
- HDFC Credit Card EMI
- SBI Credit Card EMI
- ICICI Credit Card EMI
- Axis Bank EMI on Credit Card
- Kotak Mahindra EMI Option
Aapko “Convert to EMI” option easily mil jata hai uupar diye gaye inn banks mobile applications aur websites par.
FAQs on Credit Card EMI
Q1. Credit card par EMI kaise banate hain?
Aap online shopping ke time “Credit Card EMI” option select karke ya baad mein bank ki app se transaction ko EMI mein convert kar sakte ho.
Q2. Kya EMI par interest lagta hai?
Haan, banks interest aur processing fee charge karte hain. Rate alag-alag bank par depend karta hai.
Q3. Kya main har transaction ko EMI mein convert kar sakta hoon?
Nahi, sirf eligible transactions (generally above ₹3,000) ko hi EMI mein convert kiya ja sakta hai.
Q4. Kya main beech mein apne EMI ko close kar sakta hoon?
Haan, lekin aapko pre-closure charges dene padenge.
Q5. Credit card EMI lena safe hai ya loan lena better hai?
Agar aap chhoti shopping kar rahe ho toh credit card EMI best option hai, lekin bade amount ke liye personal loan sasta pad sakta hai.
Conclusion
Aaj ke zamane mein credit card se EMI banana ek smart aur easy option hai, especially jab aapko apne monthly budget ko disturb kiye bina bade kharche manage karne ho. Lekin hamesha dhyan rakhiye ki interest rate aur charges check karke hi EMI option select karein. Time par EMI pay karna bahut zaroori hai, warna aapke upar unnecessary financial burden aa sakta hai.
Agar aap smart tarike se apne credit card EMI ka use karte ho, toh aap apne financial planning ko aur strong bana sakte ho.