Your new balance including interest:
Interest for this month:
If you pay only minimum due every month:
Total interest you'll pay
Time to fully repay
Total amount paid (original + interest)
Paying only the minimum due can:
Your CIBIL score is affected by:
To improve your CIBIL score:
Always try to pay more than the minimum due to avoid high interest charges and reduce your debt faster.
Know your card's interest rate and how it's calculated. A 3.5% monthly rate equals 42% annually!
Make payments before the due date to avoid late fees and negative marks on your credit report.
Consider transferring your balance to a card with lower interest rates or a 0% introductory offer.
Cash advances typically have higher interest rates and no grace period. Avoid them whenever possible.
Track your credit card spending to ensure it doesn't exceed 30% of your credit limit for a healthy CIBIL score.
💳 Looking for better credit card offers? Visit CardReferral.in
Disclaimer: This calculator provides estimates only. Actual interest rates and terms may vary based on your credit card issuer and individual circumstances.