Use this calculator to find out how many month you may need to pay off your credit card debt for the calculations we have assumed that you make monthly payment on the same date as you receive . Credit card emi calculator tool lets you calculate the monthly repayment schedule for emi purchases on your credit card lets you know the total interest amount you can check your credit card emi and view the monthly repayment schedule in 5 simple steps click here if you wish to apply for a hdfc bank credit card please click here. No credit card interest rate wont be applicable if you convert your outstanding amount to emi however interest on emi will still be applicable but it is much lower than credit card finance charges what is the average rate of interest charged on credit card in india most credit cards charge between 3900 to 4200 annually. When you receive the credit card bill statement you are should pay the complete bill amount by the end of credit free period to avoid paying interest charges on the outstanding amountto pay the credit card bill you generally get a credit free period of 20 days from the bill statement issue date if you pay only the monthly minimum due amount which is generally about 5 percent of the total am. Cibil score range meaning 750 900 this shows that you have an exemplary credit history it is easier for you to get a home loan personal loan credit cards and other unsecured loans with a credit score within this range