I use to shop maximum using emi transactions as it gives time to pay and one can grab its product and deal even its expensive.
Firstly I agree for Hdfc credit card and purchase my first S4 mobile pay using credit card emi.After that I buy various product using credit card.A time came when I was short of limit as my limit exceeded so I prefer axis credit card which is very friendly and giving various offer that time.They are also offering 24 emi looks great to me.I started using it and found that there debit interest is much higher comparison to other cards.It start giving me trouble in interest.We are already giving interest on emi, alternatively cess tax, debit interest and yes its by default service tax started giving me problem when I use more.I did not found it in other debit card.
I want to suggest axis bank to please review your calculation once because if we pay more than 1k interest for less price then its worst to use credit card. I also suggest other to please review my words on and ask the expert before taking credit cards.
Thanks