Regarding no cost EMI of SBI card

[CHINTUROMA]

Hello...
I have purchased a refrigerator in Flipkart using no cost EMI on SBI credit card on dtd 15.06.2025. The purchase amount 26883 and it was converted to 12 EMI payment. But today I have received a message that 15.75 % intrest will calculate on purchase amount. Can anyone explain it.

 

[TaxWiser]

Hello...
I have purchased a refrigerator in Flipkart using no cost EMI on SBI credit card on dtd 15.06.2025. The purchase amount 26883 and it was converted to 12 EMI payment. But today I have received a message that 15.75 % intrest will calculate on purchase amount. Can anyone explain it.

 

[CHINTUROMA]

So, kindly suggest me (how to not paying the intrest amount 15.75%), so what can I do now.
1. Clear all dues before statement generation date (For not paying extra 15.75% )
2. Paying all dues for 12 month (with interest 15.75%)

 

[CHINTUROMA]

My target is to clear all dues (26883) in 3 months.

 

[TaxWiser]

So, kindly suggest me (how to not paying the intrest amount 15.75%), so what can I do now.
1. Clear all dues before statement generation date (For not paying extra 15.75% )
2. Paying all dues for 12 month (with interest 15.75%)

Reach out to SBI CC Customer Care before making any decisions, just to confirm whether interest is being charged, if it's truly a no-cost EMI, and whether there are any pre-closure penalties or conditions.