Credit Card Interest Calculator (India)
Estimate how much interest you may pay if you revolve your credit card balance instead of paying in full.
Total due on your card (₹)
₹
Most Indian cards: 30–48% p.a.
Billing cycles ~30 days
Leave empty if no payment
₹
Estimated interest
₹0
Enter details to calculate your interest.
Outstanding Balance
₹0
Interest for Period
₹0
Total to Clear
₹0
New Balance After Payment
₹0
APR: –
Monthly rate: –
Daily rate: –
*This is an approximate estimate. Actual bank charges may include fees, GST, and compounding.
About This Credit Card Interest Calculator (India)
Indian credit cards typically charge very high interest rates between 30% and 48% per year. If you don’t pay your credit card bill in full, interest starts accumulating daily.
How Interest Is Calculated
This calculator uses the standard formula:
Interest = Balance × APR × (Days ÷ 365)
How to Reduce Your Credit Card Interest
- Always pay the full amount due, not minimum due.
- Avoid cash withdrawals – they incur interest from day 1.
- Pay early in the cycle to reduce interest days.
- Convert large payments to EMIs if necessary (lower interest).
This tool is for awareness only. Always check your bank’s statement for exact charges.