Perk
EMI
Converting a big purchase to instalments. EMI is a payment method, not a category — what varies between cards is the interest and processing fee it costs you, and whether the purchase still earns rewards once converted. Lower is better.
No card has a verified EMI interest rate yet — those are researched per issuer and none are recorded. What is confirmed is which cards stop paying rewards on conversion, listed below.
When a bank adds one it appears here after the next refresh — nothing is guessed.
Best in market
Top-tier picks from the whole Indian market — whether you hold them or not.
This category hasn't been researched against the market yet.
Ask for a market refresh and the top three picks land here.