How no-EMI works in SBI credit card?

EMIs with no fees or interest are known as no-cost EMIs. Customers receive all the advantages of EMI conversion as a result, with no drawbacks. SBI Debit Card EMI allows people without credit cards to make purchases on EMI.

Is EMI good for credit card?

On the balance of the unpaid bills, the credit card firms charge a high interest rate. It could be something with a rate of interest of 46%. However, the interest rate is thought to be considerably lower when an EMI is an option. The percentage is anywhere between 11% and 18%.

Which is the best credit card for EMI?

Each credit card has its own advantages depending on the needs of the users.

What is the minimum due in a credit card?

The amount that a cardholder must pay on or before the payment due date is known as the credit card minimum amount due. Typically, the minimum payment is equal to 5% of the total amount still owing. Any EMI payment conversions you may have chosen are also included in the minimum credit card payment amount required.

Does EMI impact your credit score?

Your credit score may be significantly impacted by the debt you settle. Delays in EMI payments not only result in fees that must be paid, but they also negatively affect your credit rating. Paying your debts on time will help you increase your CIBIL score.

What is the benefit of paying full amount using a credit card?

The main benefit of paying off your credit card balance on time and in full is that you enjoy an interest-free grace period of up to two months. Additionally, you will have up to three weeks after the statement is sent to pay the balance due.

What is an Equated Monthly Instalment (EMI) Card?

EMI cards are offered on no-cost EMIs, therefore there is no interest to pay. You just make interest-free instalment payments for the cost of the item you bought.

Credit Card Offers on Mobiles 2025

Get the latest and the most up-to-date credit card offers on smartphones of different brands including Apple, Samsung, One Plus, Vivo, Mi, Google, Oppo, and many others. Find mobile phone pre-launch offers, introductory offers, no-cost EMI offers, flat discounts offers, instant cashback offers and lot more.

Updated On - 13 Sep 2025

Top Credit Card Offers on Smartphones

Listed below are some of the best credit card offers available on smartphones

Valid on Credit Cards	Offer Details	Expiry
HDFC Credit Card	Enjoy Up to Rs.15,000 Cashback on Samsung Mobiles	31 March 2025
ICICI Bank Credit Card	Buy now, pay later with 24-month No Extra Cost* EMI on OnePlus	31 March 2025
Kotak Credit Card	Get up to Rs.10,000 instant cashback on Apple products	31 March 2025
SBI Credit Cards	Get up to Rs.12,000 instant discount on select Samsung mobiles Get 10% instant discount on Oppo mobiles Get up to Rs.10,000 instant cashback on Apple products	31 March 2025

SBI Credit Card Offers

Offer 1: Buy now, pay later with 24-month No Extra Cost* EMI on OnePlus

Valid Till: 31 March 2025

How to Avail:

Applicable only on EMI transactions.
Offer is applicable on above devices only: OnePlus Open & OnePlus 12 & 12R
Offer is also available on www.OnePlus.in

HDFC Credit Card Offers

Offer 2: Enjoy Up to Rs.15,000 Cashback on Samsung Mobiles

Valid Till: 31 March 2025

How to Avail:

Visit your nearest Brand store and ask for HDFC Bank EasyEMI

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>

FAQs on Credit Card Offers on Mobiles 2025

How no-EMI works in SBI credit card?
EMIs with no fees or interest are known as no-cost EMIs. Customers receive all the advantages of EMI conversion as a result, with no drawbacks. SBI Debit Card EMI allows people without credit cards to make purchases on EMI.
Is EMI good for credit card?
On the balance of the unpaid bills, the credit card firms charge a high interest rate. It could be something with a rate of interest of 46%. However, the interest rate is thought to be considerably lower when an EMI is an option. The percentage is anywhere between 11% and 18%.
Which is the best credit card for EMI?
Each credit card has its own advantages depending on the needs of the users.
What is the minimum due in a credit card?
The amount that a cardholder must pay on or before the payment due date is known as the credit card minimum amount due. Typically, the minimum payment is equal to 5% of the total amount still owing. Any EMI payment conversions you may have chosen are also included in the minimum credit card payment amount required.
Does EMI impact your credit score?
Your credit score may be significantly impacted by the debt you settle. Delays in EMI payments not only result in fees that must be paid, but they also negatively affect your credit rating. Paying your debts on time will help you increase your CIBIL score.
What is the benefit of paying full amount using a credit card?
The main benefit of paying off your credit card balance on time and in full is that you enjoy an interest-free grace period of up to two months. Additionally, you will have up to three weeks after the statement is sent to pay the balance due.
What is an Equated Monthly Instalment (EMI) Card?
EMI cards are offered on no-cost EMIs, therefore there is no interest to pay. You just make interest-free instalment payments for the cost of the item you bought.

Types of Credit Card

Credit Card by Banks

Articles on Credit Card

Credit Card Customer Care

Credit Card Bill Payment

Credit Card Eligibility

Disclaimer

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.