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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Populer FAQs
How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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Credit Card EMI Calculator
Credit cards are popular for the flexibility they offer. You use them for purchase when you wish to and pay the credit card company back later within the tenure. To add to your convenience, expensive pu-rchases with a credit card can be converted into EMIs (Equated Monthly Instalments). Read More
With IDFC FIRST Bank Credit Card EMI Calculator you can plan your EMIs and the tenure, allowing you to easily manage your personal finance. It is free of cost and available 24x7. Read Less
| Task | Hours per Day |
|---|---|
| Processing Fee | 1,297 |
| Interest | 5,957 |
| Total GST | 957 |
Processing Fe…
Processing Fee
Interest
Total GST
Total Extra Payable
Loan Amount
Total Charges
Monthly EMI
Big purchases, small EMIs! Convert your
spends into easy EMIs with your IDFC
FIRST Bank Credit Card.
Call 18605001111 or Click here
| Duration (Months) | Amount | Interest | GST | Total Payment | Balance |
|---|
How to use a Credit Card EMI Calculator?
A Credit Card repayment cycle follows the concept of amortisation, which uses your monthly EMI to pay off both the principal A Credit Card repayment cycle follows the concept of amortisation, which uses your monthly EMI to pay off both the principal Read more
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Enter the principal amount(i.e., the initial amount you wish to use the credit card for)
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Enter the tenure you want
Disclaimer
Credit cards are popular for the flexibility they offer. You use them for purchase when you wish to and pay the credit card company back later within the tenure. To add to your convenience, expensive purchases with a credit card can be converted into EMIs (Equated Monthly Instalments).Read More
With IDFC FIRST Bank Credit Card EMI Calculator you can plan your EMIs and the tenure, allowing you to easily manage your personal finance. It is free of cost and available 24x7. Read Less
FAQs
How to calculate EMI on credit cards?
You can use the following formula to calculate credit card EMI:
EMI = [P x R x (1+R) ^ n] / [(1+R) ^ (n-1)]
In this formula, EMI stands for your equated monthly instalment every month; P is the principal amount of the credit card loan; R is the interest rate, and N is the loan tenure in months.
Let us understand this formula with an example. Say a credit card holder has borrowed ₹1,50,000 for a tenure of 24 months at an interest rate of 9%.
Hence,
P = ₹ 1,50,000; R = 9%; N = 24 months
Based on the formula, the monthly EMI:
EMI = ₹ 6,853.
The total amount payable:
Total amount payable = ₹ 1,64,465.
Advantages of Credit Card EMI Calculator
Credit card EMI calculators provide credit card holders with benefits like:
- Free-of-cost and available 24x7 online
- The calculation is almost instant
- A credit card EMI calculator gives you clarity on your repayment cycle and helps you make informed decisions
- No manual intervention is needed
How to calculate the EMI on a credit card using the formula?
The following formula can be used to calculate the EMI on your credit card:
EMI = [P x R x (1+R) ^ n] / [(1+R) ^ (n-1)]
Here: P is the principal amount, R is rate of interest, and n is the tenure of the credit card loan in months
Why choose IDFC FIRST Bank Credit Card?
IDFC FIRST Bank’s credit cards are lifetime-free and offer a best-in-class rewards program with travel benefits, exclusive offers, privileges, round-the-year offers and unmatched interest rates. Get your lifetime free select credit card today on the IDFC FIRST Bank mobile banking app.
Do I need to log in to a site to access a credit card EMI calculator?
Most online credit card EMI calculators do not require you to log in to the website to calculate the credit card EMIs
Do I need to pay tax on my credit card EMIs?
The GST (Goods and Services Tax) slab of 18% is applicable to credit card EMIs.
Is there any fixed input parameter in the credit card EMI calculator?
None of the parameters are fixed in a credit card EMI calculator. You can select any principal amount, interest rate or tenure for calculation of your future monthly EMI.
