Axis Credit Card EMI Calculator Pro
Convert your Axis Bank credit card purchases into easy EMIs. Calculate monthly payments, interest charges, and find the best tenure for your budget.
Select Your Axis Credit Card
Axis Magnus
Premium Card • 14-24% p.a.
Axis Atlas
Travel Card • 15-24% p.a.
Axis Flipkart
Shopping Card • 16-24% p.a.
Axis IOCL
Fuel Card • 15-24% p.a.
Pro Tip: Axis Bank offers special interest rates during festival seasons. Check for ongoing offers before converting to EMI.
Enter Transaction Details
Processing Fee
One-time charge for EMI conversion
Pro Tips to Save on EMI
Opt for No-Cost EMI
Choose merchant offers where the interest is borne by the retailer. You pay only the product price divided equally.
Shorter Tenure Saves Interest
A 6-month EMI has significantly less interest than 12-month, even if monthly payment is slightly higher.
Watch for Festival Offers
Axis Bank offers reduced interest rates during festive seasons like Diwali, Christmas, and New Year.
Use Card Upgrade Offers
Upgraded Axis cards often come with preferential EMI rates for 3-6 months after upgrade.
Your EMI Breakdown
Based on your transaction details
Monthly EMI Payment
Total Interest
Processing Fee
Total Payment
Interest %
EMI vs Regular Payment
With EMI: ₹52,998 over 6 months
Without EMI: Pay ₹50,000 immediately
Ready to Calculate
Enter your transaction details and click “Calculate EMI Now” to see your personalized payment plan.
Axis Bank EMI Benefits
- Instant EMI conversion on existing transactions
- No foreclosure charges on most EMI plans
- Flexible tenure from 3 to 48 months
- Special rates for Magnus & Reserve cardholders
- Convert up to 95% of credit limit to EMI
Axis Bank Customer Care
1860-419-5555 • 1860-500-5555
Important Disclaimer
This calculator provides approximate EMI values for informational purposes only. Actual EMI may vary based on:
- Axis Bank’s current interest rates and policies
- Processing fees and GST charges
- Your credit card type and credit limit
- Ongoing promotions and offers
This tool is not affiliated with Axis Bank Ltd. Always confirm details with your bank before proceeding with EMI conversion.
Complete Guide to Axis Bank Credit Card EMI Conversion
Axis Bank credit card EMI conversion is a popular feature that allows cardholders to convert high-value transactions into easy monthly installments. This comprehensive guide explains everything you need to know about Axis Bank EMI options, benefits, and how to make the most of this facility.
What is Credit Card EMI Conversion?
EMI (Equated Monthly Installment) conversion lets you pay for purchases over time instead of all at once. Axis Bank offers this facility on both new purchases and existing credit card transactions. The bank charges interest on the converted amount, which is added to your monthly credit card bill along with the principal repayment.
Types of Axis Bank EMI Options
1. No-Cost EMI
The merchant pays the interest, so you only pay the product price divided equally over months. Available on partner websites and stores.
2. Standard EMI
Axis Bank charges interest (typically 14-24% p.a.) on the converted amount. Processing fee of 1-2% applies.
How to Convert to EMI on Axis Bank Credit Card
- Online Conversion: Log in to Axis Bank internet banking or mobile app, go to credit card services, and select “Convert to EMI”
- IVR Method: Call Axis Bank customer care and follow the IVR instructions for EMI conversion
- Merchant EMI: Select EMI option at checkout while shopping online or in-store
- Post-Transaction: Convert existing transactions within 30 days of purchase
Key Benefits of Axis Bank EMI Conversion
| Feature | Benefit |
|---|---|
| Flexible Tenure | Choose from 3 to 48 months based on your comfort |
| Instant Approval | Most conversions approved immediately within credit limit |
| No Foreclosure Charges | Pay off your EMI early without penalties on most plans |
| Reward Points | Continue earning reward points on EMI transactions |
Tips to Reduce Your EMI Burden
Pro Tip: Always compare the total interest paid across different tenures. A shorter tenure with higher EMI often results in significantly lower total interest compared to a longer tenure.
- Check for Festival Offers: Axis Bank frequently reduces interest rates during festive seasons
- Use Special Card Privileges: Premium cards like Magnus often get better EMI rates
- Consider Processing Fee Impact: For small amounts, processing fee can significantly increase effective interest rate
- Maintain Good Credit Score: Customers with higher credit scores may negotiate better terms
Common Mistakes to Avoid
- Not reading the fine print about processing fees and GST
- Opting for longest tenure without considering total interest cost
- Forgetting that EMI reduces available credit limit for other purchases
Final Recommendation
Use the Axis Credit Card EMI Calculator Pro above to simulate different scenarios before converting your transaction. Compare the total interest across different tenures and choose the option that balances monthly affordability with overall cost. Always confirm the final terms with Axis Bank customer care before proceeding.
© 2023 Axis Credit Card EMI Calculator Pro. This is an independent financial tool for educational purposes.
Axis Bank® is a registered trademark of Axis Bank Ltd. This tool is not affiliated with or endorsed by Axis Bank Ltd.